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$33,812
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$1,068/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$2,187/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,615
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,024/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,574
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,836
−HK$1,283/mo
Today · 4.125%
HK$43,119
baseline
▲ 0.50% · 4.625%
HK$45,742
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,238/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,139
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,349
−HK$1,228/mo
Today · 4.125%
HK$47,577
baseline
▲ 0.50% · 4.625%
HK$50,085
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,154/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,337
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,496/mo
Today · 4.125%
HK$50,305
baseline
▲ 0.50% · 4.625%
HK$53,366
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,610/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,662
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,074
−HK$1,433/mo
Today · 4.125%
HK$55,507
baseline
▲ 0.50% · 4.625%
HK$58,433
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,014/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,862
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,755
−HK$1,923/mo
Today · 4.125%
HK$64,678
baseline
▲ 0.50% · 4.625%
HK$68,614
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,356/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,708
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,524
−HK$1,842/mo
Today · 4.125%
HK$71,366
baseline
▲ 0.50% · 4.625%
HK$75,128
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,732/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,056 · Scale 2, in force from 26 Feb 2026)