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$2,118/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$1,068/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,582
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,590
−HK$1,022/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,538
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,799
−HK$1,281/mo
Today · 4.125%
HK$43,080
baseline
▲ 0.50% · 4.625%
HK$45,701
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,160/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,098
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,308
−HK$1,227/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,040
+HK$2,505/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$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,294
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,495/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,614
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,025
−HK$1,432/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,807
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,698
−HK$1,922/mo
Today · 4.125%
HK$64,620
baseline
▲ 0.50% · 4.625%
HK$68,552
+HK$3,932/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,240/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,647
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,461
−HK$1,841/mo
Today · 4.125%
HK$71,302
baseline
▲ 0.50% · 4.625%
HK$75,060
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,604/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,556 · Scale 2, in force from 26 Feb 2026)