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$33,736
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$1,066/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,022/mo
Today · 4.125%
HK$39,559
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,118/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,483
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,742
−HK$1,280/mo
Today · 4.125%
HK$43,022
baseline
▲ 0.50% · 4.625%
HK$45,640
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,044/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,037
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,245
−HK$1,225/mo
Today · 4.125%
HK$47,470
baseline
▲ 0.50% · 4.625%
HK$49,973
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,940/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,230
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,699
−HK$1,493/mo
Today · 4.125%
HK$50,192
baseline
▲ 0.50% · 4.625%
HK$53,246
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,384/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,543
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,952
−HK$1,430/mo
Today · 4.125%
HK$55,382
baseline
▲ 0.50% · 4.625%
HK$58,301
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,764/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,725
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,614
−HK$1,919/mo
Today · 4.125%
HK$64,533
baseline
▲ 0.50% · 4.625%
HK$68,459
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,066/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,556
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,367
−HK$1,838/mo
Today · 4.125%
HK$71,205
baseline
▲ 0.50% · 4.625%
HK$74,959
+HK$3,754/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,410/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,806 · Scale 2, in force from 26 Feb 2026)