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$33,805
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$1,068/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,607
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,616
−HK$1,023/mo
Today · 4.125%
HK$39,639
baseline
▲ 0.50% · 4.625%
HK$41,729
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,278/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,566
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,282/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,733
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,129
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,228/mo
Today · 4.125%
HK$47,567
baseline
▲ 0.50% · 4.625%
HK$50,074
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,134/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,799
−HK$1,495/mo
Today · 4.125%
HK$50,294
baseline
▲ 0.50% · 4.625%
HK$53,355
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,588/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,650
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,062
−HK$1,433/mo
Today · 4.125%
HK$55,495
baseline
▲ 0.50% · 4.625%
HK$58,420
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,990/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,848
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,741
−HK$1,923/mo
Today · 4.125%
HK$64,664
baseline
▲ 0.50% · 4.625%
HK$68,599
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,328/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,693
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,509
−HK$1,841/mo
Today · 4.125%
HK$71,350
baseline
▲ 0.50% · 4.625%
HK$75,111
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,700/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,935 · Scale 2, in force from 26 Feb 2026)