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$33,869
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,922
−HK$1,070/mo
Today · 4.125%
HK$35,992
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,984/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,678
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,689
−HK$1,025/mo
Today · 4.125%
HK$39,714
baseline
▲ 0.50% · 4.625%
HK$41,807
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,428/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,642
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,285/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,214
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,230/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,169
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,416
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,498/mo
Today · 4.125%
HK$50,389
baseline
▲ 0.50% · 4.625%
HK$53,455
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,778/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,750
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,435/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,530
+HK$2,930/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,963
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,926/mo
Today · 4.125%
HK$64,786
baseline
▲ 0.50% · 4.625%
HK$68,728
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,572/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,821
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,640
−HK$1,845/mo
Today · 4.125%
HK$71,485
baseline
▲ 0.50% · 4.625%
HK$75,253
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,970/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,986 · Scale 2, in force from 26 Feb 2026)