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$33,788
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$1,068/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$38,091
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,022/mo
Today · 4.125%
HK$39,619
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,089/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$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,545
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,807
−HK$1,281/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,710
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,106
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,316
−HK$1,227/mo
Today · 4.125%
HK$47,543
baseline
▲ 0.50% · 4.625%
HK$50,049
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,086/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,303
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,774
−HK$1,495/mo
Today · 4.125%
HK$50,269
baseline
▲ 0.50% · 4.625%
HK$53,328
+HK$3,059/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,538/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,624
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,035
−HK$1,432/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,818
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$62,710
−HK$1,922/mo
Today · 4.125%
HK$64,632
baseline
▲ 0.50% · 4.625%
HK$68,565
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,264/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,660
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,474
−HK$1,841/mo
Today · 4.125%
HK$71,315
baseline
▲ 0.50% · 4.625%
HK$75,074
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,630/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,659 · Scale 2, in force from 26 Feb 2026)