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$33,814
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$1,069/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$38,121
+HK$2,187/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,024/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$41,740
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,282/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,745
+HK$2,624/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,229/mo
Today · 4.125%
HK$47,580
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,160/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,812
−HK$1,496/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$53,369
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,077
−HK$1,433/mo
Today · 4.125%
HK$55,510
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,020/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,865
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,758
−HK$1,923/mo
Today · 4.125%
HK$64,681
baseline
▲ 0.50% · 4.625%
HK$68,617
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,362/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,711
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,527
−HK$1,842/mo
Today · 4.125%
HK$71,369
baseline
▲ 0.50% · 4.625%
HK$75,131
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,738/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,083 · Scale 2, in force from 26 Feb 2026)