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$33,786
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,837
−HK$1,068/mo
Today · 4.125%
HK$35,905
baseline
▲ 0.50% · 4.625%
HK$38,089
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,810/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,587
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,595
−HK$1,022/mo
Today · 4.125%
HK$39,617
baseline
▲ 0.50% · 4.625%
HK$41,706
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,234/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,543
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,282/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,104
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,227/mo
Today · 4.125%
HK$47,541
baseline
▲ 0.50% · 4.625%
HK$50,047
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,082/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,772
−HK$1,495/mo
Today · 4.125%
HK$50,267
baseline
▲ 0.50% · 4.625%
HK$53,325
+HK$3,058/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,534/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,621
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,032
−HK$1,432/mo
Today · 4.125%
HK$55,464
baseline
▲ 0.50% · 4.625%
HK$58,388
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,928/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,815
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,922/mo
Today · 4.125%
HK$64,628
baseline
▲ 0.50% · 4.625%
HK$68,561
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,256/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,656
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,470
−HK$1,841/mo
Today · 4.125%
HK$71,311
baseline
▲ 0.50% · 4.625%
HK$75,070
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,622/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,629 · Scale 2, in force from 26 Feb 2026)