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$33,917
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$1,072/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,027/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,286/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,493
−HK$1,232/mo
Today · 4.125%
HK$47,725
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,450/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,960
−HK$1,501/mo
Today · 4.125%
HK$50,461
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,922/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,825
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,437/mo
Today · 4.125%
HK$55,679
baseline
▲ 0.50% · 4.625%
HK$58,614
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,358/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,050
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,949
−HK$1,930/mo
Today · 4.125%
HK$64,879
baseline
▲ 0.50% · 4.625%
HK$68,826
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,758/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,918
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,739
−HK$1,848/mo
Today · 4.125%
HK$71,587
baseline
▲ 0.50% · 4.625%
HK$75,361
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,174/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,779 · Scale 2, in force from 26 Feb 2026)