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$33,889
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$1,071/mo
Today · 4.125%
HK$36,014
baseline
▲ 0.50% · 4.625%
HK$38,206
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,028/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,025/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$41,833
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,285/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,847
+HK$2,630/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,231/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,514/mo
Deposit HK$5.94M · loan HK$8.92M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,445
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,499/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,488
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,782
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,436/mo
Today · 4.125%
HK$55,634
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$2,932/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,268/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,001
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,898
−HK$1,928/mo
Today · 4.125%
HK$64,826
baseline
▲ 0.50% · 4.625%
HK$68,770
+HK$3,944/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,652/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,863
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,683
−HK$1,846/mo
Today · 4.125%
HK$71,529
baseline
▲ 0.50% · 4.625%
HK$75,299
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,058/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,326 · Scale 2, in force from 26 Feb 2026)