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$33,764
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$1,067/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,562
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,022/mo
Today · 4.125%
HK$39,591
baseline
▲ 0.50% · 4.625%
HK$41,678
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,182/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,280/mo
Today · 4.125%
HK$43,057
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,114/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,226/mo
Today · 4.125%
HK$47,509
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,018/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,269
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,740
−HK$1,493/mo
Today · 4.125%
HK$50,233
baseline
▲ 0.50% · 4.625%
HK$53,290
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,466/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,587
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,997
−HK$1,431/mo
Today · 4.125%
HK$55,428
baseline
▲ 0.50% · 4.625%
HK$58,349
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,856/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,775
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,665
−HK$1,921/mo
Today · 4.125%
HK$64,586
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,172/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,611
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,425
−HK$1,839/mo
Today · 4.125%
HK$71,264
baseline
▲ 0.50% · 4.625%
HK$75,020
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,528/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,262 · Scale 2, in force from 26 Feb 2026)