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$33,756
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,806
−HK$1,067/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,560
−HK$1,022/mo
Today · 4.125%
HK$39,582
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,164/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,280/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,273
−HK$1,226/mo
Today · 4.125%
HK$47,499
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,998/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,493/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,430/mo
Today · 4.125%
HK$55,415
baseline
▲ 0.50% · 4.625%
HK$58,336
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,830/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,761
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,920/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$68,500
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,596
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,409
−HK$1,839/mo
Today · 4.125%
HK$71,248
baseline
▲ 0.50% · 4.625%
HK$75,004
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,496/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,137 · Scale 2, in force from 26 Feb 2026)