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$33,747
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$1,067/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,550
−HK$1,022/mo
Today · 4.125%
HK$39,572
baseline
▲ 0.50% · 4.625%
HK$41,658
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,144/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,497
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,280/mo
Today · 4.125%
HK$43,036
baseline
▲ 0.50% · 4.625%
HK$45,655
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,072/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,052
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,261
−HK$1,225/mo
Today · 4.125%
HK$47,486
baseline
▲ 0.50% · 4.625%
HK$49,989
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,972/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,246
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,493/mo
Today · 4.125%
HK$50,209
baseline
▲ 0.50% · 4.625%
HK$53,264
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,418/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,561
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,971
−HK$1,430/mo
Today · 4.125%
HK$55,401
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,802/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,745
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,635
−HK$1,919/mo
Today · 4.125%
HK$64,554
baseline
▲ 0.50% · 4.625%
HK$68,482
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,108/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,578
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,391
−HK$1,838/mo
Today · 4.125%
HK$71,229
baseline
▲ 0.50% · 4.625%
HK$74,984
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,458/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,993 · Scale 2, in force from 26 Feb 2026)