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$33,819
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$1,069/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$38,127
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,624
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,023/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$41,747
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,583
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,282/mo
Today · 4.125%
HK$43,128
baseline
▲ 0.50% · 4.625%
HK$45,752
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,256/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,148
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,359
−HK$1,229/mo
Today · 4.125%
HK$47,588
baseline
▲ 0.50% · 4.625%
HK$50,096
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,176/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,820
−HK$1,496/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$53,378
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,673
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,086
−HK$1,433/mo
Today · 4.125%
HK$55,519
baseline
▲ 0.50% · 4.625%
HK$58,445
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,038/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,875
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,768
−HK$1,924/mo
Today · 4.125%
HK$64,692
baseline
▲ 0.50% · 4.625%
HK$68,628
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,384/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,723
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,539
−HK$1,842/mo
Today · 4.125%
HK$71,381
baseline
▲ 0.50% · 4.625%
HK$75,144
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,762/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,176 · Scale 2, in force from 26 Feb 2026)