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$33,900
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$1,071/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$2,192/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,713
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,026/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,680
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,945
−HK$1,286/mo
Today · 4.125%
HK$43,231
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,462/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,256
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,231/mo
Today · 4.125%
HK$47,701
baseline
▲ 0.50% · 4.625%
HK$50,216
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,402/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,500/mo
Today · 4.125%
HK$50,436
baseline
▲ 0.50% · 4.625%
HK$53,505
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,872/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,799
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,215
−HK$1,436/mo
Today · 4.125%
HK$55,651
baseline
▲ 0.50% · 4.625%
HK$58,585
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,302/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,020
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,918
−HK$1,929/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,945/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,884
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$1,847/mo
Today · 4.125%
HK$71,552
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$3,771/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,104/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,504 · Scale 2, in force from 26 Feb 2026)