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$33,803
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$1,068/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$38,109
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,606
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,024/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,089/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,826
−HK$1,282/mo
Today · 4.125%
HK$43,108
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,216/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,228/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,325
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,797
−HK$1,495/mo
Today · 4.125%
HK$50,292
baseline
▲ 0.50% · 4.625%
HK$53,353
+HK$3,061/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,584/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,648
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,060
−HK$1,433/mo
Today · 4.125%
HK$55,493
baseline
▲ 0.50% · 4.625%
HK$58,418
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,986/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,846
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,923/mo
Today · 4.125%
HK$64,662
baseline
▲ 0.50% · 4.625%
HK$68,596
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,324/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,691
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$69,506
−HK$1,842/mo
Today · 4.125%
HK$71,348
baseline
▲ 0.50% · 4.625%
HK$75,109
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,696/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,914 · Scale 2, in force from 26 Feb 2026)