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$33,832
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,884
−HK$1,069/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$38,141
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,637
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,647
−HK$1,024/mo
Today · 4.125%
HK$39,671
baseline
▲ 0.50% · 4.625%
HK$41,762
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,342/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,598
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,861
−HK$1,283/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,769
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,376
−HK$1,229/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,114
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,838
−HK$1,497/mo
Today · 4.125%
HK$50,335
baseline
▲ 0.50% · 4.625%
HK$53,397
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,670/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,692
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,106
−HK$1,433/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,467
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,897
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,791
−HK$1,925/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,654
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,747
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,564
−HK$1,844/mo
Today · 4.125%
HK$71,408
baseline
▲ 0.50% · 4.625%
HK$75,172
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,816/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,380 · Scale 2, in force from 26 Feb 2026)