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$33,749
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,799
−HK$1,066/mo
Today · 4.125%
HK$35,865
baseline
▲ 0.50% · 4.625%
HK$38,048
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,730/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,545
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,552
−HK$1,022/mo
Today · 4.125%
HK$39,574
baseline
▲ 0.50% · 4.625%
HK$41,660
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,148/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,499
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,280/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,226/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,249
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,718
−HK$1,493/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$53,267
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,564
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,430/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,324
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,638
−HK$1,920/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$68,486
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,582
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,394
−HK$1,839/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$74,988
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,020 · Scale 2, in force from 26 Feb 2026)