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$33,759
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$1,067/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,556
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,563
−HK$1,022/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,510
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,770
−HK$1,281/mo
Today · 4.125%
HK$43,051
baseline
▲ 0.50% · 4.625%
HK$45,670
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,102/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,276
−HK$1,226/mo
Today · 4.125%
HK$47,502
baseline
▲ 0.50% · 4.625%
HK$50,006
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,004/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,494/mo
Today · 4.125%
HK$50,226
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,452/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,430/mo
Today · 4.125%
HK$55,419
baseline
▲ 0.50% · 4.625%
HK$58,340
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,838/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,765
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,920/mo
Today · 4.125%
HK$64,576
baseline
▲ 0.50% · 4.625%
HK$68,505
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,152/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,601
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,414
−HK$1,839/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,009
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,177 · Scale 2, in force from 26 Feb 2026)