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$33,750
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$1,066/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,546
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,553
−HK$1,022/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,661
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,500
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,760
−HK$1,280/mo
Today · 4.125%
HK$43,040
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,080/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,056
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,264
−HK$1,226/mo
Today · 4.125%
HK$47,490
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,980/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,250
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,720
−HK$1,493/mo
Today · 4.125%
HK$50,213
baseline
▲ 0.50% · 4.625%
HK$53,268
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,426/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,430/mo
Today · 4.125%
HK$55,405
baseline
▲ 0.50% · 4.625%
HK$58,325
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,810/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,750
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,639
−HK$1,920/mo
Today · 4.125%
HK$64,559
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,118/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,396
−HK$1,839/mo
Today · 4.125%
HK$71,235
baseline
▲ 0.50% · 4.625%
HK$74,990
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,470/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,035 · Scale 2, in force from 26 Feb 2026)