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$33,881
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$1,071/mo
Today · 4.125%
HK$36,006
baseline
▲ 0.50% · 4.625%
HK$38,197
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,012/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,693
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,026/mo
Today · 4.125%
HK$39,729
baseline
▲ 0.50% · 4.625%
HK$41,823
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,458/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,658
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,922
−HK$1,285/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,629/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,231/mo
Today · 4.125%
HK$47,675
baseline
▲ 0.50% · 4.625%
HK$50,188
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,350/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,434
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,909
−HK$1,499/mo
Today · 4.125%
HK$50,408
baseline
▲ 0.50% · 4.625%
HK$53,476
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,816/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,770
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,185
−HK$1,436/mo
Today · 4.125%
HK$55,621
baseline
▲ 0.50% · 4.625%
HK$58,552
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,242/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,986
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,883
−HK$1,928/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,754
+HK$3,943/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,847
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,666
−HK$1,846/mo
Today · 4.125%
HK$71,512
baseline
▲ 0.50% · 4.625%
HK$75,282
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,024/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,196 · Scale 2, in force from 26 Feb 2026)