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$33,790
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$1,068/mo
Today · 4.125%
HK$35,909
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,818/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,591
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,599
−HK$1,023/mo
Today · 4.125%
HK$39,622
baseline
▲ 0.50% · 4.625%
HK$41,710
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,244/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,548
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,281/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,227/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,306
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,495/mo
Today · 4.125%
HK$50,272
baseline
▲ 0.50% · 4.625%
HK$53,331
+HK$3,059/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,544/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,627
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,039
−HK$1,431/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,394
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,822
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,713
−HK$1,923/mo
Today · 4.125%
HK$64,636
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,272/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,663
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,478
−HK$1,841/mo
Today · 4.125%
HK$71,319
baseline
▲ 0.50% · 4.625%
HK$75,078
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,638/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,691 · Scale 2, in force from 26 Feb 2026)