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$34,790
−HK$1,066/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$38,038
+HK$2,182/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$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,536
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,022/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,279/mo
Today · 4.125%
HK$43,027
baseline
▲ 0.50% · 4.625%
HK$45,646
+HK$2,619/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$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,043
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,225/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$49,979
+HK$2,503/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$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,236
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,706
−HK$1,493/mo
Today · 4.125%
HK$50,199
baseline
▲ 0.50% · 4.625%
HK$53,253
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,398/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,550
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,430/mo
Today · 4.125%
HK$55,389
baseline
▲ 0.50% · 4.625%
HK$58,309
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,778/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,919/mo
Today · 4.125%
HK$64,541
baseline
▲ 0.50% · 4.625%
HK$68,468
+HK$3,927/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,082/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,564
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,376
−HK$1,839/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$3,754/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,878 · Scale 2, in force from 26 Feb 2026)