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$33,780
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$1,068/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$38,083
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,588
−HK$1,023/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,087/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,536
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,281/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,700
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,096
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,227/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,038
+HK$2,505/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,292
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,495/mo
Today · 4.125%
HK$50,258
baseline
▲ 0.50% · 4.625%
HK$53,316
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,516/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,612
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,023
−HK$1,432/mo
Today · 4.125%
HK$55,455
baseline
▲ 0.50% · 4.625%
HK$58,378
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,910/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,804
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,696
−HK$1,921/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,549
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,644
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,459
−HK$1,840/mo
Today · 4.125%
HK$71,299
baseline
▲ 0.50% · 4.625%
HK$75,057
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,598/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,534 · Scale 2, in force from 26 Feb 2026)