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$33,766
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$1,067/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$2,184/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,564
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,572
−HK$1,022/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,281/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,680
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,286
−HK$1,226/mo
Today · 4.125%
HK$47,512
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$95,024/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,272
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,494/mo
Today · 4.125%
HK$50,237
baseline
▲ 0.50% · 4.625%
HK$53,293
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,474/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,590
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,000
−HK$1,431/mo
Today · 4.125%
HK$55,431
baseline
▲ 0.50% · 4.625%
HK$58,353
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,862/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,778
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,921/mo
Today · 4.125%
HK$64,590
baseline
▲ 0.50% · 4.625%
HK$68,520
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,180/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,615
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,429
−HK$1,840/mo
Today · 4.125%
HK$71,269
baseline
▲ 0.50% · 4.625%
HK$75,025
+HK$3,756/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,538/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,297 · Scale 2, in force from 26 Feb 2026)