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$33,752
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$1,066/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$38,051
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,548
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,555
−HK$1,022/mo
Today · 4.125%
HK$39,577
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,154/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,502
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,762
−HK$1,280/mo
Today · 4.125%
HK$43,042
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,084/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,058
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,226/mo
Today · 4.125%
HK$47,493
baseline
▲ 0.50% · 4.625%
HK$49,996
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,986/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,252
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,722
−HK$1,494/mo
Today · 4.125%
HK$50,216
baseline
▲ 0.50% · 4.625%
HK$53,271
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,432/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,568
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,430/mo
Today · 4.125%
HK$55,408
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,816/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,753
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,643
−HK$1,920/mo
Today · 4.125%
HK$64,563
baseline
▲ 0.50% · 4.625%
HK$68,491
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,126/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,587
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,400
−HK$1,839/mo
Today · 4.125%
HK$71,239
baseline
▲ 0.50% · 4.625%
HK$74,994
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,478/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,065 · Scale 2, in force from 26 Feb 2026)