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$33,788
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$1,068/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$38,092
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,023/mo
Today · 4.125%
HK$39,620
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,240/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,546
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,807
−HK$1,281/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,710
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,107
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,316
−HK$1,228/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,050
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,303
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,495/mo
Today · 4.125%
HK$50,270
baseline
▲ 0.50% · 4.625%
HK$53,328
+HK$3,058/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,540/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,624
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,036
−HK$1,432/mo
Today · 4.125%
HK$55,468
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$2,923/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,936/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,819
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,922/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,565
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,660
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,475
−HK$1,840/mo
Today · 4.125%
HK$71,315
baseline
▲ 0.50% · 4.625%
HK$75,075
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,630/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,663 · Scale 2, in force from 26 Feb 2026)