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$33,775
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$1,067/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$38,077
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,023/mo
Today · 4.125%
HK$39,605
baseline
▲ 0.50% · 4.625%
HK$41,692
+HK$2,087/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,210/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,791
−HK$1,281/mo
Today · 4.125%
HK$43,072
baseline
▲ 0.50% · 4.625%
HK$45,693
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,144/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,299
−HK$1,226/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,031
+HK$2,506/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,285
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,494/mo
Today · 4.125%
HK$50,250
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,500/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,604
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,015
−HK$1,431/mo
Today · 4.125%
HK$55,446
baseline
▲ 0.50% · 4.625%
HK$58,369
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,892/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,795
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,686
−HK$1,922/mo
Today · 4.125%
HK$64,608
baseline
▲ 0.50% · 4.625%
HK$68,539
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,216/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,634
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,448
−HK$1,840/mo
Today · 4.125%
HK$71,288
baseline
▲ 0.50% · 4.625%
HK$75,046
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,576/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,450 · Scale 2, in force from 26 Feb 2026)