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$33,774
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,825
−HK$1,067/mo
Today · 4.125%
HK$35,892
baseline
▲ 0.50% · 4.625%
HK$38,076
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,784/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,581
−HK$1,023/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$41,691
+HK$2,087/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,529
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,790
−HK$1,281/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,692
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,227/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,030
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,284
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,755
−HK$1,494/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$53,307
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,603
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,431/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,368
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,794
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,685
−HK$1,921/mo
Today · 4.125%
HK$64,606
baseline
▲ 0.50% · 4.625%
HK$68,538
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,212/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,633
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,447
−HK$1,840/mo
Today · 4.125%
HK$71,287
baseline
▲ 0.50% · 4.625%
HK$75,044
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,574/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,439 · Scale 2, in force from 26 Feb 2026)