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$33,770
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$1,067/mo
Today · 4.125%
HK$35,888
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,776/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,569
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,576
−HK$1,023/mo
Today · 4.125%
HK$39,599
baseline
▲ 0.50% · 4.625%
HK$41,686
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,198/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,524
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,785
−HK$1,280/mo
Today · 4.125%
HK$43,065
baseline
▲ 0.50% · 4.625%
HK$45,686
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,130/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,083
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,292
−HK$1,226/mo
Today · 4.125%
HK$47,518
baseline
▲ 0.50% · 4.625%
HK$50,023
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,036/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,278
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,749
−HK$1,494/mo
Today · 4.125%
HK$50,243
baseline
▲ 0.50% · 4.625%
HK$53,300
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,486/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,596
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,007
−HK$1,431/mo
Today · 4.125%
HK$55,438
baseline
▲ 0.50% · 4.625%
HK$58,360
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,876/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,786
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,677
−HK$1,921/mo
Today · 4.125%
HK$64,598
baseline
▲ 0.50% · 4.625%
HK$68,529
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,196/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,624
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,438
−HK$1,840/mo
Today · 4.125%
HK$71,278
baseline
▲ 0.50% · 4.625%
HK$75,035
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,556/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,367 · Scale 2, in force from 26 Feb 2026)