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$33,742
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,791
−HK$1,066/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,537
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,021/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,490
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,749
−HK$1,280/mo
Today · 4.125%
HK$43,029
baseline
▲ 0.50% · 4.625%
HK$45,647
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,058/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,045
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,225/mo
Today · 4.125%
HK$47,478
baseline
▲ 0.50% · 4.625%
HK$49,981
+HK$2,503/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,956/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,238
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,708
−HK$1,492/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$53,255
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,552
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,430/mo
Today · 4.125%
HK$55,391
baseline
▲ 0.50% · 4.625%
HK$58,311
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,782/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,735
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,919/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$68,471
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,567
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,379
−HK$1,838/mo
Today · 4.125%
HK$71,217
baseline
▲ 0.50% · 4.625%
HK$74,971
+HK$3,754/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,434/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,898 · Scale 2, in force from 26 Feb 2026)