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$33,854
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$1,070/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$38,166
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,025/mo
Today · 4.125%
HK$39,697
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,092/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,394/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,284/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,799
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,194
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,406
−HK$1,230/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,147
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,395
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,498/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$3,065/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,727
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,141
−HK$1,434/mo
Today · 4.125%
HK$55,575
baseline
▲ 0.50% · 4.625%
HK$58,505
+HK$2,930/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,150/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,937
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$62,832
−HK$1,926/mo
Today · 4.125%
HK$64,758
baseline
▲ 0.50% · 4.625%
HK$68,698
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,516/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,791
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,609
−HK$1,845/mo
Today · 4.125%
HK$71,454
baseline
▲ 0.50% · 4.625%
HK$75,220
+HK$3,766/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,908/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,741 · Scale 2, in force from 26 Feb 2026)