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$33,913
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$1,071/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,739
−HK$1,027/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,695
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,286/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,879
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,232/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,234
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,955
−HK$1,500/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,525
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,819
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,235
−HK$1,437/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$58,607
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,043
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,929/mo
Today · 4.125%
HK$64,871
baseline
▲ 0.50% · 4.625%
HK$68,818
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,742/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,910
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,731
−HK$1,848/mo
Today · 4.125%
HK$71,579
baseline
▲ 0.50% · 4.625%
HK$75,352
+HK$3,773/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,158/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,713 · Scale 2, in force from 26 Feb 2026)