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$33,768
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$1,067/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$2,184/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,574
−HK$1,022/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,521
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,781
−HK$1,281/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,682
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,079
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,288
−HK$1,227/mo
Today · 4.125%
HK$47,515
baseline
▲ 0.50% · 4.625%
HK$50,019
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,030/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,745
−HK$1,494/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$53,296
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,592
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,003
−HK$1,431/mo
Today · 4.125%
HK$55,434
baseline
▲ 0.50% · 4.625%
HK$58,356
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,868/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,782
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,672
−HK$1,921/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$68,523
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,619
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,432
−HK$1,840/mo
Today · 4.125%
HK$71,272
baseline
▲ 0.50% · 4.625%
HK$75,029
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,544/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,325 · Scale 2, in force from 26 Feb 2026)