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$33,757
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$1,067/mo
Today · 4.125%
HK$35,874
baseline
▲ 0.50% · 4.625%
HK$38,057
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,748/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,562
−HK$1,022/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,670
+HK$2,086/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$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,280/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,668
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,226/mo
Today · 4.125%
HK$47,500
baseline
▲ 0.50% · 4.625%
HK$50,004
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,000/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,260
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,730
−HK$1,494/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$53,280
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,430/mo
Today · 4.125%
HK$55,417
baseline
▲ 0.50% · 4.625%
HK$58,338
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,834/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,763
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,921/mo
Today · 4.125%
HK$64,574
baseline
▲ 0.50% · 4.625%
HK$68,503
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,598
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$1,840/mo
Today · 4.125%
HK$71,251
baseline
▲ 0.50% · 4.625%
HK$75,006
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,502/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,157 · Scale 2, in force from 26 Feb 2026)