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$33,800
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$1,068/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,602
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,023/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,560
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,282/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,726
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,228/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,067
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,791
−HK$1,496/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$53,347
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,642
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,054
−HK$1,433/mo
Today · 4.125%
HK$55,487
baseline
▲ 0.50% · 4.625%
HK$58,411
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,974/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,839
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,732
−HK$1,923/mo
Today · 4.125%
HK$64,655
baseline
▲ 0.50% · 4.625%
HK$68,589
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,310/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,683
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,498
−HK$1,842/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,100
+HK$3,760/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,853 · Scale 2, in force from 26 Feb 2026)