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$34,860
−HK$1,068/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$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,620
−HK$1,023/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$41,733
+HK$2,090/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$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,570
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,282/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,134
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,344
−HK$1,228/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,080
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,804
−HK$1,496/mo
Today · 4.125%
HK$50,300
baseline
▲ 0.50% · 4.625%
HK$53,360
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,600/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,656
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,068
−HK$1,433/mo
Today · 4.125%
HK$55,501
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,002/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,855
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,748
−HK$1,923/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,606
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,342/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,700
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,516
−HK$1,842/mo
Today · 4.125%
HK$71,358
baseline
▲ 0.50% · 4.625%
HK$75,119
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,716/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,995 · Scale 2, in force from 26 Feb 2026)