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$33,867
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$1,070/mo
Today · 4.125%
HK$35,991
baseline
▲ 0.50% · 4.625%
HK$38,181
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,982/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,025/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,284/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,212
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,230/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,414
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,889
−HK$1,499/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,453
+HK$3,065/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,748
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,435/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,528
+HK$2,930/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,961
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,927/mo
Today · 4.125%
HK$64,784
baseline
▲ 0.50% · 4.625%
HK$68,726
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,568/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,819
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,638
−HK$1,845/mo
Today · 4.125%
HK$71,483
baseline
▲ 0.50% · 4.625%
HK$75,251
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,966/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,966 · Scale 2, in force from 26 Feb 2026)