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$33,753
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$1,067/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$38,053
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,022/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,504
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,764
−HK$1,280/mo
Today · 4.125%
HK$43,044
baseline
▲ 0.50% · 4.625%
HK$45,663
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,088/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,060
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,269
−HK$1,226/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$49,998
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,255
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,725
−HK$1,493/mo
Today · 4.125%
HK$50,218
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,436/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,571
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,980
−HK$1,431/mo
Today · 4.125%
HK$55,411
baseline
▲ 0.50% · 4.625%
HK$58,332
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,822/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,756
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,646
−HK$1,920/mo
Today · 4.125%
HK$64,566
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,132/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,591
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,403
−HK$1,839/mo
Today · 4.125%
HK$71,242
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,484/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,094 · Scale 2, in force from 26 Feb 2026)