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$33,887
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,941
−HK$1,071/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,026/mo
Today · 4.125%
HK$39,736
baseline
▲ 0.50% · 4.625%
HK$41,830
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,472/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,664
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,929
−HK$1,285/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,630/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,239
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,231/mo
Today · 4.125%
HK$47,683
baseline
▲ 0.50% · 4.625%
HK$50,196
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,366/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,442
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,917
−HK$1,500/mo
Today · 4.125%
HK$50,417
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,834/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,779
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,194
−HK$1,436/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$58,562
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,997
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,928/mo
Today · 4.125%
HK$64,822
baseline
▲ 0.50% · 4.625%
HK$68,766
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,644/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,858
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,678
−HK$1,846/mo
Today · 4.125%
HK$71,524
baseline
▲ 0.50% · 4.625%
HK$75,294
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,048/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,290 · Scale 2, in force from 26 Feb 2026)