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$33,774
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$1,068/mo
Today · 4.125%
HK$35,892
baseline
▲ 0.50% · 4.625%
HK$38,076
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,784/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,573
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,581
−HK$1,022/mo
Today · 4.125%
HK$39,603
baseline
▲ 0.50% · 4.625%
HK$41,690
+HK$2,087/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,206/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,281/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,691
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,088
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,226/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,494/mo
Today · 4.125%
HK$50,248
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,496/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,431/mo
Today · 4.125%
HK$55,444
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,888/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,793
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,684
−HK$1,921/mo
Today · 4.125%
HK$64,605
baseline
▲ 0.50% · 4.625%
HK$68,536
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,210/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,631
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,445
−HK$1,840/mo
Today · 4.125%
HK$71,285
baseline
▲ 0.50% · 4.625%
HK$75,043
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,570/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,427 · Scale 2, in force from 26 Feb 2026)