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$33,762
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,812
−HK$1,067/mo
Today · 4.125%
HK$35,879
baseline
▲ 0.50% · 4.625%
HK$38,062
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,758/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,559
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,567
−HK$1,022/mo
Today · 4.125%
HK$39,589
baseline
▲ 0.50% · 4.625%
HK$41,675
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,178/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,514
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,774
−HK$1,280/mo
Today · 4.125%
HK$43,054
baseline
▲ 0.50% · 4.625%
HK$45,674
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,108/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,071
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,280
−HK$1,226/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,010
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,266
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,736
−HK$1,494/mo
Today · 4.125%
HK$50,230
baseline
▲ 0.50% · 4.625%
HK$53,287
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,460/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,583
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,993
−HK$1,431/mo
Today · 4.125%
HK$55,424
baseline
▲ 0.50% · 4.625%
HK$58,345
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,848/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,771
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,661
−HK$1,921/mo
Today · 4.125%
HK$64,582
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,164/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,607
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,420
−HK$1,839/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,016
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,226 · Scale 2, in force from 26 Feb 2026)