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$33,726
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,775
−HK$1,066/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$38,022
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,526
−HK$1,021/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,084/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,730
−HK$1,279/mo
Today · 4.125%
HK$43,009
baseline
▲ 0.50% · 4.625%
HK$45,626
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,018/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,024
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,231
−HK$1,225/mo
Today · 4.125%
HK$47,456
baseline
▲ 0.50% · 4.625%
HK$49,958
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,912/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,216
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,685
−HK$1,492/mo
Today · 4.125%
HK$50,177
baseline
▲ 0.50% · 4.625%
HK$53,230
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,354/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,528
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,936
−HK$1,430/mo
Today · 4.125%
HK$55,366
baseline
▲ 0.50% · 4.625%
HK$58,284
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,732/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,707
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,595
−HK$1,919/mo
Today · 4.125%
HK$64,514
baseline
▲ 0.50% · 4.625%
HK$68,439
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,028/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,536
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,347
−HK$1,837/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$74,937
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,642 · Scale 2, in force from 26 Feb 2026)