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$33,800
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$1,068/mo
Today · 4.125%
HK$35,920
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,840/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,023/mo
Today · 4.125%
HK$39,634
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,268/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,822
−HK$1,282/mo
Today · 4.125%
HK$43,104
baseline
▲ 0.50% · 4.625%
HK$45,727
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,208/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,123
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,228/mo
Today · 4.125%
HK$47,561
baseline
▲ 0.50% · 4.625%
HK$50,068
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,122/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,792
−HK$1,496/mo
Today · 4.125%
HK$50,288
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,576/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,643
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,055
−HK$1,433/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,412
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,841
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,733
−HK$1,923/mo
Today · 4.125%
HK$64,656
baseline
▲ 0.50% · 4.625%
HK$68,590
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,312/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,684
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,500
−HK$1,841/mo
Today · 4.125%
HK$71,341
baseline
▲ 0.50% · 4.625%
HK$75,102
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,682/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,864 · Scale 2, in force from 26 Feb 2026)