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$33,746
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$1,066/mo
Today · 4.125%
HK$35,862
baseline
▲ 0.50% · 4.625%
HK$38,045
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,724/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,022/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,280/mo
Today · 4.125%
HK$43,035
baseline
▲ 0.50% · 4.625%
HK$45,653
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,070/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,259
−HK$1,226/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$49,988
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,245
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,493/mo
Today · 4.125%
HK$50,207
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,414/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,430/mo
Today · 4.125%
HK$55,399
baseline
▲ 0.50% · 4.625%
HK$58,319
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,798/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,743
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,633
−HK$1,919/mo
Today · 4.125%
HK$64,552
baseline
▲ 0.50% · 4.625%
HK$68,480
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,104/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,576
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,388
−HK$1,839/mo
Today · 4.125%
HK$71,227
baseline
▲ 0.50% · 4.625%
HK$74,982
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,454/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,974 · Scale 2, in force from 26 Feb 2026)