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$33,758
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$1,067/mo
Today · 4.125%
HK$35,875
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,750/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,563
−HK$1,021/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,168/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,510
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,770
−HK$1,280/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,275
−HK$1,226/mo
Today · 4.125%
HK$47,501
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,002/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,494/mo
Today · 4.125%
HK$50,225
baseline
▲ 0.50% · 4.625%
HK$53,281
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,450/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,988
−HK$1,430/mo
Today · 4.125%
HK$55,418
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,836/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,764
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,655
−HK$1,920/mo
Today · 4.125%
HK$64,575
baseline
▲ 0.50% · 4.625%
HK$68,504
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,150/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,600
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,413
−HK$1,839/mo
Today · 4.125%
HK$71,252
baseline
▲ 0.50% · 4.625%
HK$75,008
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,504/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,168 · Scale 2, in force from 26 Feb 2026)