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$33,728
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$1,066/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$2,180/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,522
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,528
−HK$1,021/mo
Today · 4.125%
HK$39,549
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,084/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,098/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,473
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,279/mo
Today · 4.125%
HK$43,011
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,022/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,026
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,225/mo
Today · 4.125%
HK$47,458
baseline
▲ 0.50% · 4.625%
HK$49,960
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,916/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,219
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,687
−HK$1,493/mo
Today · 4.125%
HK$50,180
baseline
▲ 0.50% · 4.625%
HK$53,233
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,360/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,530
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,939
−HK$1,429/mo
Today · 4.125%
HK$55,368
baseline
▲ 0.50% · 4.625%
HK$58,287
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,736/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,598
−HK$1,919/mo
Today · 4.125%
HK$64,517
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,034/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,539
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,350
−HK$1,838/mo
Today · 4.125%
HK$71,188
baseline
▲ 0.50% · 4.625%
HK$74,940
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,376/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,667 · Scale 2, in force from 26 Feb 2026)