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$33,825
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$1,069/mo
Today · 4.125%
HK$35,946
baseline
▲ 0.50% · 4.625%
HK$38,133
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,892/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,024/mo
Today · 4.125%
HK$39,663
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,326/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,590
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,852
−HK$1,283/mo
Today · 4.125%
HK$43,135
baseline
▲ 0.50% · 4.625%
HK$45,760
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,270/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,156
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,367
−HK$1,229/mo
Today · 4.125%
HK$47,596
baseline
▲ 0.50% · 4.625%
HK$50,104
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,192/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,355
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,496/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$53,387
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,682
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,095
−HK$1,433/mo
Today · 4.125%
HK$55,528
baseline
▲ 0.50% · 4.625%
HK$58,455
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,056/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,885
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,779
−HK$1,924/mo
Today · 4.125%
HK$64,703
baseline
▲ 0.50% · 4.625%
HK$68,640
+HK$3,937/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,406/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,734
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$69,550
−HK$1,843/mo
Today · 4.125%
HK$71,393
baseline
▲ 0.50% · 4.625%
HK$75,157
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,786/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,269 · Scale 2, in force from 26 Feb 2026)