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$33,847
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$1,069/mo
Today · 4.125%
HK$35,969
baseline
▲ 0.50% · 4.625%
HK$38,158
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,938/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,654
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,025/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,283/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,790
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,230/mo
Today · 4.125%
HK$47,627
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,254/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,386
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,860
−HK$1,497/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,421
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,716
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,434/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,493
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,925/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,685
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,778
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,596
−HK$1,844/mo
Today · 4.125%
HK$71,440
baseline
▲ 0.50% · 4.625%
HK$75,205
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,880/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,632 · Scale 2, in force from 26 Feb 2026)