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$33,815
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,867
−HK$1,068/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$2,187/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,619
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,628
−HK$1,023/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,578
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,840
−HK$1,282/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,142
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,353
−HK$1,228/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,089
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,341
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,813
−HK$1,496/mo
Today · 4.125%
HK$50,309
baseline
▲ 0.50% · 4.625%
HK$53,371
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,618/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,666
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,079
−HK$1,432/mo
Today · 4.125%
HK$55,511
baseline
▲ 0.50% · 4.625%
HK$58,438
+HK$2,927/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,022/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,867
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,760
−HK$1,924/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,619
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,714
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,530
−HK$1,842/mo
Today · 4.125%
HK$71,372
baseline
▲ 0.50% · 4.625%
HK$75,134
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,744/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,103 · Scale 2, in force from 26 Feb 2026)