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$33,738
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,787
−HK$1,066/mo
Today · 4.125%
HK$35,853
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,706/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,539
−HK$1,022/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,646
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,485
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,745
−HK$1,279/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,039
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,247
−HK$1,226/mo
Today · 4.125%
HK$47,473
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,946/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,233
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,702
−HK$1,493/mo
Today · 4.125%
HK$50,195
baseline
▲ 0.50% · 4.625%
HK$53,249
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,390/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,546
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,955
−HK$1,430/mo
Today · 4.125%
HK$55,385
baseline
▲ 0.50% · 4.625%
HK$58,304
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,770/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,728
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,617
−HK$1,919/mo
Today · 4.125%
HK$64,536
baseline
▲ 0.50% · 4.625%
HK$68,463
+HK$3,927/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,072/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,559
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,371
−HK$1,838/mo
Today · 4.125%
HK$71,209
baseline
▲ 0.50% · 4.625%
HK$74,963
+HK$3,754/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,418/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,834 · Scale 2, in force from 26 Feb 2026)