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$33,282
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,317
−HK$1,052/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,521
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,026
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,008/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,084
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,939
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,181
−HK$1,262/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$45,026
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,209/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,595
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,473/mo
Today · 4.125%
HK$49,517
baseline
▲ 0.50% · 4.625%
HK$52,530
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,034/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,837
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,227
−HK$1,410/mo
Today · 4.125%
HK$54,637
baseline
▲ 0.50% · 4.625%
HK$57,517
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,274/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,771
−HK$1,894/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,539
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,647
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,434
−HK$1,814/mo
Today · 4.125%
HK$70,248
baseline
▲ 0.50% · 4.625%
HK$73,951
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,496/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,344 · Scale 2, in force from 26 Feb 2026)