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$33,787
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$1,068/mo
Today · 4.125%
HK$35,906
baseline
▲ 0.50% · 4.625%
HK$38,091
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,812/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,588
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,023/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,238/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,281/mo
Today · 4.125%
HK$43,087
baseline
▲ 0.50% · 4.625%
HK$45,709
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,174/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,315
−HK$1,227/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,302
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,495/mo
Today · 4.125%
HK$50,268
baseline
▲ 0.50% · 4.625%
HK$53,327
+HK$3,059/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,536/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,623
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,034
−HK$1,432/mo
Today · 4.125%
HK$55,466
baseline
▲ 0.50% · 4.625%
HK$58,390
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,932/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,817
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,709
−HK$1,922/mo
Today · 4.125%
HK$64,631
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,262/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,658
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,473
−HK$1,841/mo
Today · 4.125%
HK$71,314
baseline
▲ 0.50% · 4.625%
HK$75,073
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,628/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,648 · Scale 2, in force from 26 Feb 2026)