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$33,313
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$1,053/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,008/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,122
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,264/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,665
−HK$1,210/mo
Today · 4.125%
HK$46,875
baseline
▲ 0.50% · 4.625%
HK$49,346
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,750/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,638
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,089
−HK$1,474/mo
Today · 4.125%
HK$49,563
baseline
▲ 0.50% · 4.625%
HK$52,579
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,126/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,885
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,276
−HK$1,412/mo
Today · 4.125%
HK$54,688
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,376/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,964
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,829
−HK$1,895/mo
Today · 4.125%
HK$63,724
baseline
▲ 0.50% · 4.625%
HK$67,601
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,448/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,709
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,498
−HK$1,815/mo
Today · 4.125%
HK$70,313
baseline
▲ 0.50% · 4.625%
HK$74,019
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,626/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,853 · Scale 2, in force from 26 Feb 2026)