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$33,783
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$1,068/mo
Today · 4.125%
HK$35,902
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,804/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,023/mo
Today · 4.125%
HK$39,614
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,228/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,801
−HK$1,281/mo
Today · 4.125%
HK$43,082
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,164/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,100
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,227/mo
Today · 4.125%
HK$47,537
baseline
▲ 0.50% · 4.625%
HK$50,042
+HK$2,505/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,074/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,767
−HK$1,495/mo
Today · 4.125%
HK$50,262
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$3,059/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,524/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,617
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,431/mo
Today · 4.125%
HK$55,459
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$2,924/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,918/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,810
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,701
−HK$1,922/mo
Today · 4.125%
HK$64,623
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,246/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,650
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,464
−HK$1,841/mo
Today · 4.125%
HK$71,305
baseline
▲ 0.50% · 4.625%
HK$75,063
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,610/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,581 · Scale 2, in force from 26 Feb 2026)