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$33,846
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$1,069/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,653
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,663
−HK$1,025/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,615
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,283/mo
Today · 4.125%
HK$43,162
baseline
▲ 0.50% · 4.625%
HK$45,788
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,324/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,229/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,384
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,858
−HK$1,498/mo
Today · 4.125%
HK$50,356
baseline
▲ 0.50% · 4.625%
HK$53,420
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,712/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,128
−HK$1,435/mo
Today · 4.125%
HK$55,563
baseline
▲ 0.50% · 4.625%
HK$58,492
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,126/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,923
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,818
−HK$1,925/mo
Today · 4.125%
HK$64,743
baseline
▲ 0.50% · 4.625%
HK$68,683
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,486/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,594
−HK$1,844/mo
Today · 4.125%
HK$71,438
baseline
▲ 0.50% · 4.625%
HK$75,203
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,876/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,616 · Scale 2, in force from 26 Feb 2026)