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$33,270
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,305
−HK$1,052/mo
Today · 4.125%
HK$35,357
baseline
▲ 0.50% · 4.625%
HK$37,508
+HK$2,151/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,714/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,007/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,069
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,924
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,166
−HK$1,262/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$45,010
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,416
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,607
−HK$1,208/mo
Today · 4.125%
HK$46,815
baseline
▲ 0.50% · 4.625%
HK$49,283
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$93,630/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,579
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,472/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,818
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,208
−HK$1,410/mo
Today · 4.125%
HK$54,618
baseline
▲ 0.50% · 4.625%
HK$57,497
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,236/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,887
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,892/mo
Today · 4.125%
HK$63,642
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,284/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,623
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,410
−HK$1,813/mo
Today · 4.125%
HK$70,223
baseline
▲ 0.50% · 4.625%
HK$73,924
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,446/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,150 · Scale 2, in force from 26 Feb 2026)