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$33,739
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,067/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,021/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,280/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,225/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,234
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,492/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$53,251
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,548
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,957
−HK$1,430/mo
Today · 4.125%
HK$55,387
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,774/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,730
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,619
−HK$1,919/mo
Today · 4.125%
HK$64,538
baseline
▲ 0.50% · 4.625%
HK$68,465
+HK$3,927/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,374
−HK$1,838/mo
Today · 4.125%
HK$71,212
baseline
▲ 0.50% · 4.625%
HK$74,965
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,424/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,854 · Scale 2, in force from 26 Feb 2026)