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$33,298
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,334
−HK$1,052/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,539
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,008/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,958
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,201
−HK$1,262/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,453
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,209/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,617
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,067
−HK$1,474/mo
Today · 4.125%
HK$49,541
baseline
▲ 0.50% · 4.625%
HK$52,555
+HK$3,014/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,082/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,861
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,252
−HK$1,411/mo
Today · 4.125%
HK$54,663
baseline
▲ 0.50% · 4.625%
HK$57,545
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,326/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,937
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,801
−HK$1,894/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,571
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,679
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,467
−HK$1,814/mo
Today · 4.125%
HK$70,281
baseline
▲ 0.50% · 4.625%
HK$73,986
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,562/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,605 · Scale 2, in force from 26 Feb 2026)