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$33,784
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$1,068/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,584
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,592
−HK$1,023/mo
Today · 4.125%
HK$39,615
baseline
▲ 0.50% · 4.625%
HK$41,703
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,230/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,281/mo
Today · 4.125%
HK$43,083
baseline
▲ 0.50% · 4.625%
HK$45,705
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,166/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,101
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,311
−HK$1,227/mo
Today · 4.125%
HK$47,538
baseline
▲ 0.50% · 4.625%
HK$50,044
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,076/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,298
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,769
−HK$1,495/mo
Today · 4.125%
HK$50,264
baseline
▲ 0.50% · 4.625%
HK$53,322
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,528/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,618
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,029
−HK$1,432/mo
Today · 4.125%
HK$55,461
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,922/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,811
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,703
−HK$1,922/mo
Today · 4.125%
HK$64,625
baseline
▲ 0.50% · 4.625%
HK$68,557
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,250/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,652
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,466
−HK$1,841/mo
Today · 4.125%
HK$71,307
baseline
▲ 0.50% · 4.625%
HK$75,066
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,614/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,596 · Scale 2, in force from 26 Feb 2026)