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$33,755
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$1,067/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,022/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,506
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,766
−HK$1,280/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,666
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,063
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,226/mo
Today · 4.125%
HK$47,497
baseline
▲ 0.50% · 4.625%
HK$50,001
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,994/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,257
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,727
−HK$1,494/mo
Today · 4.125%
HK$50,221
baseline
▲ 0.50% · 4.625%
HK$53,276
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,442/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,573
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,983
−HK$1,431/mo
Today · 4.125%
HK$55,414
baseline
▲ 0.50% · 4.625%
HK$58,334
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,828/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,759
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,649
−HK$1,920/mo
Today · 4.125%
HK$64,569
baseline
▲ 0.50% · 4.625%
HK$68,498
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,138/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,594
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,407
−HK$1,839/mo
Today · 4.125%
HK$71,246
baseline
▲ 0.50% · 4.625%
HK$75,001
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,492/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,121 · Scale 2, in force from 26 Feb 2026)