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$33,753
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$1,066/mo
Today · 4.125%
HK$35,869
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$2,183/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,738/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,021/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,503
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,763
−HK$1,280/mo
Today · 4.125%
HK$43,043
baseline
▲ 0.50% · 4.625%
HK$45,662
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,086/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,060
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,268
−HK$1,226/mo
Today · 4.125%
HK$47,494
baseline
▲ 0.50% · 4.625%
HK$49,998
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,988/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,724
−HK$1,493/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$53,273
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,570
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,979
−HK$1,431/mo
Today · 4.125%
HK$55,410
baseline
▲ 0.50% · 4.625%
HK$58,330
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,820/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,755
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,645
−HK$1,920/mo
Today · 4.125%
HK$64,565
baseline
▲ 0.50% · 4.625%
HK$68,494
+HK$3,929/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,130/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,589
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,402
−HK$1,839/mo
Today · 4.125%
HK$71,241
baseline
▲ 0.50% · 4.625%
HK$74,996
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,482/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,083 · Scale 2, in force from 26 Feb 2026)