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$33,813
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$1,069/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,023/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$41,739
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,576
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,283/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,141
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,351
−HK$1,228/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,087
+HK$2,508/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,496/mo
Today · 4.125%
HK$50,307
baseline
▲ 0.50% · 4.625%
HK$53,369
+HK$3,062/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,614/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,076
−HK$1,433/mo
Today · 4.125%
HK$55,509
baseline
▲ 0.50% · 4.625%
HK$58,435
+HK$2,926/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$111,018/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,864
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$62,757
−HK$1,924/mo
Today · 4.125%
HK$64,681
baseline
▲ 0.50% · 4.625%
HK$68,617
+HK$3,936/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,362/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,711
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$69,527
−HK$1,842/mo
Today · 4.125%
HK$71,369
baseline
▲ 0.50% · 4.625%
HK$75,131
+HK$3,762/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,738/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,081 · Scale 2, in force from 26 Feb 2026)