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$33,276
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$1,051/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,007/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,931
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,173
−HK$1,262/mo
Today · 4.125%
HK$42,435
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,870/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,423
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,209/mo
Today · 4.125%
HK$46,823
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,646/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,586
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,472/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,410/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,892/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,526
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,634
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,421
−HK$1,813/mo
Today · 4.125%
HK$70,234
baseline
▲ 0.50% · 4.625%
HK$73,936
+HK$3,702/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,468/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,238 · Scale 2, in force from 26 Feb 2026)