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$33,777
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$1,068/mo
Today · 4.125%
HK$35,895
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,790/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,584
−HK$1,022/mo
Today · 4.125%
HK$39,606
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,212/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,532
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,281/mo
Today · 4.125%
HK$43,074
baseline
▲ 0.50% · 4.625%
HK$45,695
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,148/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,091
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,301
−HK$1,226/mo
Today · 4.125%
HK$47,527
baseline
▲ 0.50% · 4.625%
HK$50,033
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,054/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,495/mo
Today · 4.125%
HK$50,253
baseline
▲ 0.50% · 4.625%
HK$53,310
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,506/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,432/mo
Today · 4.125%
HK$55,449
baseline
▲ 0.50% · 4.625%
HK$58,372
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,898/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,798
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,689
−HK$1,921/mo
Today · 4.125%
HK$64,610
baseline
▲ 0.50% · 4.625%
HK$68,542
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,220/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,637
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,451
−HK$1,840/mo
Today · 4.125%
HK$71,291
baseline
▲ 0.50% · 4.625%
HK$75,049
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,582/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,474 · Scale 2, in force from 26 Feb 2026)