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$33,852
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$1,070/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$38,164
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,025/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,284/mo
Today · 4.125%
HK$43,170
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,340/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,192
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,404
−HK$1,229/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,393
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,498/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,724
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,434/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,502
+HK$2,930/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,829
−HK$1,926/mo
Today · 4.125%
HK$64,755
baseline
▲ 0.50% · 4.625%
HK$68,695
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,510/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,788
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,606
−HK$1,844/mo
Today · 4.125%
HK$71,450
baseline
▲ 0.50% · 4.625%
HK$75,216
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,900/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,713 · Scale 2, in force from 26 Feb 2026)