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$33,790
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$1,067/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$38,093
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,591
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,599
−HK$1,022/mo
Today · 4.125%
HK$39,621
baseline
▲ 0.50% · 4.625%
HK$41,710
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,242/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,547
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,281/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,318
−HK$1,228/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,495/mo
Today · 4.125%
HK$50,272
baseline
▲ 0.50% · 4.625%
HK$53,331
+HK$3,059/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,544/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,627
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,038
−HK$1,432/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,394
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,821
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,713
−HK$1,922/mo
Today · 4.125%
HK$64,635
baseline
▲ 0.50% · 4.625%
HK$68,568
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,270/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,663
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,478
−HK$1,841/mo
Today · 4.125%
HK$71,319
baseline
▲ 0.50% · 4.625%
HK$75,078
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,638/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,687 · Scale 2, in force from 26 Feb 2026)