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$33,778
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$1,068/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,577
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,023/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$41,695
+HK$2,087/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,533
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,281/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,696
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,302
−HK$1,227/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,034
+HK$2,505/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,289
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,494/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,432/mo
Today · 4.125%
HK$55,451
baseline
▲ 0.50% · 4.625%
HK$58,373
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,902/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,800
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,691
−HK$1,922/mo
Today · 4.125%
HK$64,613
baseline
▲ 0.50% · 4.625%
HK$68,544
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,226/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,639
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,453
−HK$1,841/mo
Today · 4.125%
HK$71,294
baseline
▲ 0.50% · 4.625%
HK$75,052
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,588/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,492 · Scale 2, in force from 26 Feb 2026)