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$33,796
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$1,068/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,598
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,023/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,817
−HK$1,281/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,228/mo
Today · 4.125%
HK$47,555
baseline
▲ 0.50% · 4.625%
HK$50,061
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,110/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,314
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,495/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$53,341
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,637
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,432/mo
Today · 4.125%
HK$55,480
baseline
▲ 0.50% · 4.625%
HK$58,405
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,960/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,833
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,725
−HK$1,922/mo
Today · 4.125%
HK$64,647
baseline
▲ 0.50% · 4.625%
HK$68,581
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,294/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,676
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,491
−HK$1,841/mo
Today · 4.125%
HK$71,332
baseline
▲ 0.50% · 4.625%
HK$75,092
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,664/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,791 · Scale 2, in force from 26 Feb 2026)