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$33,802
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$1,069/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,604
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,023/mo
Today · 4.125%
HK$39,636
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,272/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,562
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,282/mo
Today · 4.125%
HK$43,106
baseline
▲ 0.50% · 4.625%
HK$45,729
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,212/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,125
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,228/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,323
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,795
−HK$1,495/mo
Today · 4.125%
HK$50,290
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,580/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,646
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,058
−HK$1,432/mo
Today · 4.125%
HK$55,490
baseline
▲ 0.50% · 4.625%
HK$58,415
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,980/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,843
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,736
−HK$1,923/mo
Today · 4.125%
HK$64,659
baseline
▲ 0.50% · 4.625%
HK$68,593
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,318/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,688
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,503
−HK$1,842/mo
Today · 4.125%
HK$71,345
baseline
▲ 0.50% · 4.625%
HK$75,105
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,690/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,889 · Scale 2, in force from 26 Feb 2026)