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$33,758
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$1,067/mo
Today · 4.125%
HK$35,875
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,750/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,555
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,562
−HK$1,022/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,168/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,281/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,275
−HK$1,226/mo
Today · 4.125%
HK$47,501
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,002/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,493/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$53,281
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,431/mo
Today · 4.125%
HK$55,418
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,836/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,764
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,654
−HK$1,920/mo
Today · 4.125%
HK$64,574
baseline
▲ 0.50% · 4.625%
HK$68,504
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,599
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,412
−HK$1,839/mo
Today · 4.125%
HK$71,251
baseline
▲ 0.50% · 4.625%
HK$75,007
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,502/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,164 · Scale 2, in force from 26 Feb 2026)