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$33,811
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,863
−HK$1,069/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$38,118
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,023/mo
Today · 4.125%
HK$39,647
baseline
▲ 0.50% · 4.625%
HK$41,737
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,294/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,836
−HK$1,282/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,138
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,348
−HK$1,228/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,336
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,808
−HK$1,496/mo
Today · 4.125%
HK$50,304
baseline
▲ 0.50% · 4.625%
HK$53,365
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,608/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,661
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,073
−HK$1,433/mo
Today · 4.125%
HK$55,506
baseline
▲ 0.50% · 4.625%
HK$58,431
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,012/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,860
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,924/mo
Today · 4.125%
HK$64,677
baseline
▲ 0.50% · 4.625%
HK$68,612
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,354/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,706
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,522
−HK$1,842/mo
Today · 4.125%
HK$71,364
baseline
▲ 0.50% · 4.625%
HK$75,126
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,728/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,045 · Scale 2, in force from 26 Feb 2026)