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$33,310
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$1,053/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,057
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,008/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,118
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,215
−HK$1,264/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,468
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,210/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,085
−HK$1,473/mo
Today · 4.125%
HK$49,558
baseline
▲ 0.50% · 4.625%
HK$52,574
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,116/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,880
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,271
−HK$1,412/mo
Today · 4.125%
HK$54,683
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,366/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,958
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,895/mo
Today · 4.125%
HK$63,718
baseline
▲ 0.50% · 4.625%
HK$67,595
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,436/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,703
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,492
−HK$1,814/mo
Today · 4.125%
HK$70,306
baseline
▲ 0.50% · 4.625%
HK$74,012
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,612/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,800 · Scale 2, in force from 26 Feb 2026)