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$33,762
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$1,067/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$38,063
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,560
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,568
−HK$1,022/mo
Today · 4.125%
HK$39,590
baseline
▲ 0.50% · 4.625%
HK$41,676
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,180/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,515
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,775
−HK$1,281/mo
Today · 4.125%
HK$43,056
baseline
▲ 0.50% · 4.625%
HK$45,675
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,112/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,072
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,281
−HK$1,227/mo
Today · 4.125%
HK$47,508
baseline
▲ 0.50% · 4.625%
HK$50,012
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,016/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,267
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,494/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$53,288
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,585
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,431/mo
Today · 4.125%
HK$55,426
baseline
▲ 0.50% · 4.625%
HK$58,347
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,852/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,772
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,663
−HK$1,920/mo
Today · 4.125%
HK$64,583
baseline
▲ 0.50% · 4.625%
HK$68,513
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,166/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,609
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,422
−HK$1,839/mo
Today · 4.125%
HK$71,261
baseline
▲ 0.50% · 4.625%
HK$75,018
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,522/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,242 · Scale 2, in force from 26 Feb 2026)