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$33,732
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$1,066/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,021/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,639
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,478
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,279/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,032
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,225/mo
Today · 4.125%
HK$47,465
baseline
▲ 0.50% · 4.625%
HK$49,967
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,930/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,225
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,492/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$53,240
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,430/mo
Today · 4.125%
HK$55,376
baseline
▲ 0.50% · 4.625%
HK$58,295
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,752/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,718
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,606
−HK$1,919/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$68,451
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,548
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,359
−HK$1,838/mo
Today · 4.125%
HK$71,197
baseline
▲ 0.50% · 4.625%
HK$74,950
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,394/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,742 · Scale 2, in force from 26 Feb 2026)