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$33,730
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$1,066/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$38,026
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,524
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,636
+HK$2,084/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,476
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,735
−HK$1,279/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,029
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,237
−HK$1,225/mo
Today · 4.125%
HK$47,462
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,924/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,222
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,691
−HK$1,492/mo
Today · 4.125%
HK$50,183
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,366/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,534
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,943
−HK$1,429/mo
Today · 4.125%
HK$55,372
baseline
▲ 0.50% · 4.625%
HK$58,291
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,744/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,714
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,919/mo
Today · 4.125%
HK$64,521
baseline
▲ 0.50% · 4.625%
HK$68,447
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,042/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,544
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,355
−HK$1,838/mo
Today · 4.125%
HK$71,193
baseline
▲ 0.50% · 4.625%
HK$74,945
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,386/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,707 · Scale 2, in force from 26 Feb 2026)