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$33,768
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$1,067/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,567
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,574
−HK$1,022/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,088/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,281/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,227/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,020
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,494/mo
Today · 4.125%
HK$50,240
baseline
▲ 0.50% · 4.625%
HK$53,297
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,480/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,593
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,004
−HK$1,431/mo
Today · 4.125%
HK$55,435
baseline
▲ 0.50% · 4.625%
HK$58,357
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,870/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,783
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,673
−HK$1,921/mo
Today · 4.125%
HK$64,594
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,188/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,620
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,434
−HK$1,840/mo
Today · 4.125%
HK$71,274
baseline
▲ 0.50% · 4.625%
HK$75,030
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,548/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,336 · Scale 2, in force from 26 Feb 2026)