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$33,808
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,859
−HK$1,069/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$38,114
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,619
−HK$1,024/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$41,732
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,831
−HK$1,282/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,228/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,331
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,496/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,655
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,067
−HK$1,433/mo
Today · 4.125%
HK$55,500
baseline
▲ 0.50% · 4.625%
HK$58,425
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,000/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,854
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,747
−HK$1,923/mo
Today · 4.125%
HK$64,670
baseline
▲ 0.50% · 4.625%
HK$68,605
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,340/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,699
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,515
−HK$1,842/mo
Today · 4.125%
HK$71,357
baseline
▲ 0.50% · 4.625%
HK$75,118
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,714/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,984 · Scale 2, in force from 26 Feb 2026)