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$33,731
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,780
−HK$1,066/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,477
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,736
−HK$1,279/mo
Today · 4.125%
HK$43,015
baseline
▲ 0.50% · 4.625%
HK$45,632
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,030/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,030
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,225/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,223
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,692
−HK$1,492/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,429/mo
Today · 4.125%
HK$55,373
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,746/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,715
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,604
−HK$1,918/mo
Today · 4.125%
HK$64,522
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,044/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,545
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,356
−HK$1,838/mo
Today · 4.125%
HK$71,194
baseline
▲ 0.50% · 4.625%
HK$74,947
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,388/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,716 · Scale 2, in force from 26 Feb 2026)