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$33,845
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$1,069/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$38,156
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,662
−HK$1,025/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,284/mo
Today · 4.125%
HK$43,161
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,626/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,322/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,183
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,395
−HK$1,229/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,134
+HK$2,510/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,497/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,418
+HK$3,064/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,127
−HK$1,434/mo
Today · 4.125%
HK$55,561
baseline
▲ 0.50% · 4.625%
HK$58,490
+HK$2,929/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,122/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,921
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,925/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,681
+HK$3,940/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,774
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$69,592
−HK$1,844/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,201
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,600 · Scale 2, in force from 26 Feb 2026)