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$33,781
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$1,067/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,022/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,537
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,798
−HK$1,281/mo
Today · 4.125%
HK$43,079
baseline
▲ 0.50% · 4.625%
HK$45,700
+HK$2,621/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,158/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,097
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,226/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,039
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,293
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,764
−HK$1,495/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,432/mo
Today · 4.125%
HK$55,456
baseline
▲ 0.50% · 4.625%
HK$58,379
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,912/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,697
−HK$1,922/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,550
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,646
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$1,840/mo
Today · 4.125%
HK$71,300
baseline
▲ 0.50% · 4.625%
HK$75,059
+HK$3,759/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,600/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,544 · Scale 2, in force from 26 Feb 2026)