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$33,740
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$1,067/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,021/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,280/mo
Today · 4.125%
HK$43,027
baseline
▲ 0.50% · 4.625%
HK$45,645
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,054/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,042
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,226/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,236
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,705
−HK$1,493/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,549
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,429/mo
Today · 4.125%
HK$55,388
baseline
▲ 0.50% · 4.625%
HK$58,308
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,776/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,732
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,621
−HK$1,919/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$68,467
+HK$3,927/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,563
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$1,839/mo
Today · 4.125%
HK$71,214
baseline
▲ 0.50% · 4.625%
HK$74,967
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,428/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,870 · Scale 2, in force from 26 Feb 2026)