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$33,303
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,339
−HK$1,052/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,049
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,008/mo
Today · 4.125%
HK$39,051
baseline
▲ 0.50% · 4.625%
HK$41,109
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,102/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,964
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,263/mo
Today · 4.125%
HK$42,470
baseline
▲ 0.50% · 4.625%
HK$45,054
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,940/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,459
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,209/mo
Today · 4.125%
HK$46,861
baseline
▲ 0.50% · 4.625%
HK$49,331
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,722/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,624
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,075
−HK$1,473/mo
Today · 4.125%
HK$49,548
baseline
▲ 0.50% · 4.625%
HK$52,563
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,096/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,869
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,260
−HK$1,411/mo
Today · 4.125%
HK$54,671
baseline
▲ 0.50% · 4.625%
HK$57,553
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,342/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,945
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,810
−HK$1,895/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,581
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,689
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$1,815/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$73,997
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,686 · Scale 2, in force from 26 Feb 2026)