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$33,799
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$1,069/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$38,104
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,023/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,559
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,281/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,121
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,227/mo
Today · 4.125%
HK$47,559
baseline
▲ 0.50% · 4.625%
HK$50,066
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,118/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,319
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,791
−HK$1,495/mo
Today · 4.125%
HK$50,286
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,572/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,642
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,053
−HK$1,433/mo
Today · 4.125%
HK$55,486
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,972/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,838
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,731
−HK$1,923/mo
Today · 4.125%
HK$64,654
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,308/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,682
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,497
−HK$1,842/mo
Today · 4.125%
HK$71,339
baseline
▲ 0.50% · 4.625%
HK$75,099
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,678/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,844 · Scale 2, in force from 26 Feb 2026)