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$33,760
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$1,066/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$2,184/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,558
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,022/mo
Today · 4.125%
HK$39,587
baseline
▲ 0.50% · 4.625%
HK$41,674
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,174/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,280/mo
Today · 4.125%
HK$43,053
baseline
▲ 0.50% · 4.625%
HK$45,673
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,106/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,070
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,227/mo
Today · 4.125%
HK$47,505
baseline
▲ 0.50% · 4.625%
HK$50,009
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,010/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,265
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,735
−HK$1,493/mo
Today · 4.125%
HK$50,228
baseline
▲ 0.50% · 4.625%
HK$53,285
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,456/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,581
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,992
−HK$1,430/mo
Today · 4.125%
HK$55,422
baseline
▲ 0.50% · 4.625%
HK$58,344
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,844/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,769
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,659
−HK$1,920/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$68,509
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,605
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,418
−HK$1,839/mo
Today · 4.125%
HK$71,257
baseline
▲ 0.50% · 4.625%
HK$75,013
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,514/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,208 · Scale 2, in force from 26 Feb 2026)