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$33,773
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$1,067/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$38,075
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,572
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,580
−HK$1,022/mo
Today · 4.125%
HK$39,602
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,204/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,281/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,296
−HK$1,227/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,282
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,494/mo
Today · 4.125%
HK$50,247
baseline
▲ 0.50% · 4.625%
HK$53,305
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,494/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,601
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,012
−HK$1,431/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,792
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,683
−HK$1,921/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,535
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,630
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,444
−HK$1,840/mo
Today · 4.125%
HK$71,284
baseline
▲ 0.50% · 4.625%
HK$75,041
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,568/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,417 · Scale 2, in force from 26 Feb 2026)