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$33,735
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$1,066/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,536
−HK$1,021/mo
Today · 4.125%
HK$39,557
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,114/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,482
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,279/mo
Today · 4.125%
HK$43,020
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,040/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,036
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,243
−HK$1,226/mo
Today · 4.125%
HK$47,469
baseline
▲ 0.50% · 4.625%
HK$49,971
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,938/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,229
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,492/mo
Today · 4.125%
HK$50,190
baseline
▲ 0.50% · 4.625%
HK$53,244
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,380/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,542
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,951
−HK$1,429/mo
Today · 4.125%
HK$55,380
baseline
▲ 0.50% · 4.625%
HK$58,299
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,760/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,723
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,612
−HK$1,919/mo
Today · 4.125%
HK$64,531
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,062/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,553
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,365
−HK$1,838/mo
Today · 4.125%
HK$71,203
baseline
▲ 0.50% · 4.625%
HK$74,956
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,406/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,787 · Scale 2, in force from 26 Feb 2026)