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$33,806
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$1,069/mo
Today · 4.125%
HK$35,926
baseline
▲ 0.50% · 4.625%
HK$38,112
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,852/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,608
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,023/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$41,730
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,567
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,282/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,734
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,130
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,341
−HK$1,227/mo
Today · 4.125%
HK$47,568
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,136/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,328
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,800
−HK$1,496/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$53,356
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,652
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,064
−HK$1,432/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,850
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,923/mo
Today · 4.125%
HK$64,666
baseline
▲ 0.50% · 4.625%
HK$68,601
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,332/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,695
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,511
−HK$1,842/mo
Today · 4.125%
HK$71,353
baseline
▲ 0.50% · 4.625%
HK$75,114
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,706/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,952 · Scale 2, in force from 26 Feb 2026)