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$33,807
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,859
−HK$1,069/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$38,114
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,610
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,619
−HK$1,023/mo
Today · 4.125%
HK$39,642
baseline
▲ 0.50% · 4.625%
HK$41,732
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,284/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,569
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,831
−HK$1,282/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,228/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,078
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,496/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,655
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,067
−HK$1,432/mo
Today · 4.125%
HK$55,499
baseline
▲ 0.50% · 4.625%
HK$58,425
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,998/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,853
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,746
−HK$1,924/mo
Today · 4.125%
HK$64,670
baseline
▲ 0.50% · 4.625%
HK$68,605
+HK$3,935/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,340/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,699
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,515
−HK$1,841/mo
Today · 4.125%
HK$71,356
baseline
▲ 0.50% · 4.625%
HK$75,118
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,712/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,982 · Scale 2, in force from 26 Feb 2026)