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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,597
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,023/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,088/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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,816
−HK$1,282/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,720
+HK$2,622/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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,117
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,227/mo
Today · 4.125%
HK$47,554
baseline
▲ 0.50% · 4.625%
HK$50,061
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,108/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,787 · 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$53,340
+HK$3,059/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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,432/mo
Today · 4.125%
HK$55,480
baseline
▲ 0.50% · 4.625%
HK$58,404
+HK$2,924/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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,832
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,724
−HK$1,923/mo
Today · 4.125%
HK$64,647
baseline
▲ 0.50% · 4.625%
HK$68,580
+HK$3,933/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$555,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,675
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,490
−HK$1,841/mo
Today · 4.125%
HK$71,331
baseline
▲ 0.50% · 4.625%
HK$75,091
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,662/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,787 · Scale 2, in force from 26 Feb 2026)