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$33,782
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$1,068/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,023/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,539
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,281/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,099
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,308
−HK$1,227/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,041
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,295
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,766
−HK$1,495/mo
Today · 4.125%
HK$50,261
baseline
▲ 0.50% · 4.625%
HK$53,319
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,522/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,615
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,027
−HK$1,431/mo
Today · 4.125%
HK$55,458
baseline
▲ 0.50% · 4.625%
HK$58,381
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,916/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,808
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,700
−HK$1,921/mo
Today · 4.125%
HK$64,621
baseline
▲ 0.50% · 4.625%
HK$68,553
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,242/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,648
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,463
−HK$1,840/mo
Today · 4.125%
HK$71,303
baseline
▲ 0.50% · 4.625%
HK$75,062
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,606/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,567 · Scale 2, in force from 26 Feb 2026)