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$33,792
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$1,068/mo
Today · 4.125%
HK$35,911
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,822/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,593
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,023/mo
Today · 4.125%
HK$39,624
baseline
▲ 0.50% · 4.625%
HK$41,713
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,248/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,550
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,281/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,715
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,227/mo
Today · 4.125%
HK$47,549
baseline
▲ 0.50% · 4.625%
HK$50,055
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,098/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,309
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,495/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$53,335
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,432/mo
Today · 4.125%
HK$55,474
baseline
▲ 0.50% · 4.625%
HK$58,398
+HK$2,924/mo
Deposit HK$4.45M · loan HK$10.37M · min. income ≈ HK$110,948/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,825
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,922/mo
Today · 4.125%
HK$64,640
baseline
▲ 0.50% · 4.625%
HK$68,573
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,280/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,668
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,483
−HK$1,841/mo
Today · 4.125%
HK$71,324
baseline
▲ 0.50% · 4.625%
HK$75,083
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,648/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,726 · Scale 2, in force from 26 Feb 2026)