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$33,797
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$1,068/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,599
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,023/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,818
−HK$1,282/mo
Today · 4.125%
HK$43,100
baseline
▲ 0.50% · 4.625%
HK$45,723
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,200/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,119
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,329
−HK$1,228/mo
Today · 4.125%
HK$47,557
baseline
▲ 0.50% · 4.625%
HK$50,064
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,114/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,496/mo
Today · 4.125%
HK$50,284
baseline
▲ 0.50% · 4.625%
HK$53,343
+HK$3,059/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,568/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,639
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,051
−HK$1,432/mo
Today · 4.125%
HK$55,483
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,966/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,835
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,922/mo
Today · 4.125%
HK$64,650
baseline
▲ 0.50% · 4.625%
HK$68,584
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,300/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,679
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,494
−HK$1,841/mo
Today · 4.125%
HK$71,335
baseline
▲ 0.50% · 4.625%
HK$75,095
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,670/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,817 · Scale 2, in force from 26 Feb 2026)