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$33,830
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$1,069/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$2,187/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,024/mo
Today · 4.125%
HK$39,669
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,338/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,596
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,859
−HK$1,283/mo
Today · 4.125%
HK$43,142
baseline
▲ 0.50% · 4.625%
HK$45,767
+HK$2,625/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,284/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,163
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,374
−HK$1,229/mo
Today · 4.125%
HK$47,603
baseline
▲ 0.50% · 4.625%
HK$50,112
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,206/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,362
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,836
−HK$1,496/mo
Today · 4.125%
HK$50,332
baseline
▲ 0.50% · 4.625%
HK$53,395
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,664/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,690
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,103
−HK$1,434/mo
Today · 4.125%
HK$55,537
baseline
▲ 0.50% · 4.625%
HK$58,464
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,074/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,895
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$62,789
−HK$1,924/mo
Today · 4.125%
HK$64,713
baseline
▲ 0.50% · 4.625%
HK$68,651
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,426/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,745
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,561
−HK$1,844/mo
Today · 4.125%
HK$71,405
baseline
▲ 0.50% · 4.625%
HK$75,168
+HK$3,763/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,810/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,357 · Scale 2, in force from 26 Feb 2026)