The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$33,837
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$1,069/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,653
−HK$1,024/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,605
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,868
−HK$1,283/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,777
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,172
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,384
−HK$1,229/mo
Today · 4.125%
HK$47,613
baseline
▲ 0.50% · 4.625%
HK$50,123
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,226/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,372
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,846
−HK$1,497/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$53,406
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,701
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,433/mo
Today · 4.125%
HK$55,548
baseline
▲ 0.50% · 4.625%
HK$58,476
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,096/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,907
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,802
−HK$1,925/mo
Today · 4.125%
HK$64,727
baseline
▲ 0.50% · 4.625%
HK$68,665
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,454/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,759
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,576
−HK$1,843/mo
Today · 4.125%
HK$71,419
baseline
▲ 0.50% · 4.625%
HK$75,184
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,838/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,472 · Scale 2, in force from 26 Feb 2026)