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$33,801
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$1,068/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,604
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,612
−HK$1,023/mo
Today · 4.125%
HK$39,635
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,270/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,823
−HK$1,282/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,124
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,334
−HK$1,228/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,069
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,495/mo
Today · 4.125%
HK$50,289
baseline
▲ 0.50% · 4.625%
HK$53,349
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,578/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,645
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,057
−HK$1,432/mo
Today · 4.125%
HK$55,489
baseline
▲ 0.50% · 4.625%
HK$58,414
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,978/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,842
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,735
−HK$1,923/mo
Today · 4.125%
HK$64,658
baseline
▲ 0.50% · 4.625%
HK$68,592
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,316/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,686
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,502
−HK$1,841/mo
Today · 4.125%
HK$71,343
baseline
▲ 0.50% · 4.625%
HK$75,104
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,686/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,880 · Scale 2, in force from 26 Feb 2026)