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$33,277
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$1,052/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,516
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,007/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,019
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,616
−HK$1,209/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,588
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,037
−HK$1,473/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,522
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,829
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,219
−HK$1,410/mo
Today · 4.125%
HK$54,629
baseline
▲ 0.50% · 4.625%
HK$57,509
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,258/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,899
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,762
−HK$1,893/mo
Today · 4.125%
HK$63,655
baseline
▲ 0.50% · 4.625%
HK$67,529
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,310/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,637
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,424
−HK$1,813/mo
Today · 4.125%
HK$70,237
baseline
▲ 0.50% · 4.625%
HK$73,940
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,474/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,263 · Scale 2, in force from 26 Feb 2026)