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$33,850
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,903
−HK$1,070/mo
Today · 4.125%
HK$35,973
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,946/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,658
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,668
−HK$1,024/mo
Today · 4.125%
HK$39,692
baseline
▲ 0.50% · 4.625%
HK$41,785
+HK$2,093/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,384/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,620
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,283/mo
Today · 4.125%
HK$43,167
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,334/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,189
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,230/mo
Today · 4.125%
HK$47,631
baseline
▲ 0.50% · 4.625%
HK$50,141
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,262/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,390
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,864
−HK$1,498/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,426
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,721
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,135
−HK$1,434/mo
Today · 4.125%
HK$55,569
baseline
▲ 0.50% · 4.625%
HK$58,498
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,138/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,930
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,926/mo
Today · 4.125%
HK$64,751
baseline
▲ 0.50% · 4.625%
HK$68,691
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,502/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,784
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,602
−HK$1,844/mo
Today · 4.125%
HK$71,446
baseline
▲ 0.50% · 4.625%
HK$75,212
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,892/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,681 · Scale 2, in force from 26 Feb 2026)