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$33,760
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$1,067/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,021/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,512
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,772
−HK$1,280/mo
Today · 4.125%
HK$43,052
baseline
▲ 0.50% · 4.625%
HK$45,672
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,104/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,069
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,226/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,008
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,264
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,734
−HK$1,493/mo
Today · 4.125%
HK$50,227
baseline
▲ 0.50% · 4.625%
HK$53,284
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,454/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,991
−HK$1,430/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,658
−HK$1,920/mo
Today · 4.125%
HK$64,578
baseline
▲ 0.50% · 4.625%
HK$68,508
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,156/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,603
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,416
−HK$1,840/mo
Today · 4.125%
HK$71,256
baseline
▲ 0.50% · 4.625%
HK$75,012
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,512/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,197 · Scale 2, in force from 26 Feb 2026)