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$33,772
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,823
−HK$1,067/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,571
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,579
−HK$1,022/mo
Today · 4.125%
HK$39,601
baseline
▲ 0.50% · 4.625%
HK$41,689
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,202/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,527
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,280/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,227/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,281
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,752
−HK$1,494/mo
Today · 4.125%
HK$50,246
baseline
▲ 0.50% · 4.625%
HK$53,304
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,492/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,600
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,011
−HK$1,431/mo
Today · 4.125%
HK$55,442
baseline
▲ 0.50% · 4.625%
HK$58,364
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,884/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,790
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,681
−HK$1,921/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,533
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,629
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,442
−HK$1,840/mo
Today · 4.125%
HK$71,282
baseline
▲ 0.50% · 4.625%
HK$75,040
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,564/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,405 · Scale 2, in force from 26 Feb 2026)