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$33,897
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$1,072/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,026/mo
Today · 4.125%
HK$39,747
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,494/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,676
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,942
−HK$1,285/mo
Today · 4.125%
HK$43,227
baseline
▲ 0.50% · 4.625%
HK$45,857
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,454/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,252
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,466
−HK$1,231/mo
Today · 4.125%
HK$47,697
baseline
▲ 0.50% · 4.625%
HK$50,211
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,394/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,500/mo
Today · 4.125%
HK$50,432
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,864/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,794
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,436/mo
Today · 4.125%
HK$55,646
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,292/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,014
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,912
−HK$1,929/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,786
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,878
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,698
−HK$1,847/mo
Today · 4.125%
HK$71,545
baseline
▲ 0.50% · 4.625%
HK$75,316
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,090/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,453 · Scale 2, in force from 26 Feb 2026)