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$33,810
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,862
−HK$1,068/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,613
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,622
−HK$1,023/mo
Today · 4.125%
HK$39,645
baseline
▲ 0.50% · 4.625%
HK$41,735
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,290/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,572
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,282/mo
Today · 4.125%
HK$43,116
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,232/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,346
−HK$1,228/mo
Today · 4.125%
HK$47,574
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,148/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,334
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,806
−HK$1,496/mo
Today · 4.125%
HK$50,302
baseline
▲ 0.50% · 4.625%
HK$53,363
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,604/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,658
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,432/mo
Today · 4.125%
HK$55,503
baseline
▲ 0.50% · 4.625%
HK$58,429
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,006/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,858
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,751
−HK$1,923/mo
Today · 4.125%
HK$64,674
baseline
▲ 0.50% · 4.625%
HK$68,609
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,348/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,704
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,520
−HK$1,842/mo
Today · 4.125%
HK$71,362
baseline
▲ 0.50% · 4.625%
HK$75,123
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,724/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,022 · Scale 2, in force from 26 Feb 2026)