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$33,284
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$1,052/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,524
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,022
−HK$1,007/mo
Today · 4.125%
HK$39,029
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,058/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,262/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,434
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,626
−HK$1,209/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,472/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$3,014/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,840
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,411/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,912
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,893/mo
Today · 4.125%
HK$63,669
baseline
▲ 0.50% · 4.625%
HK$67,543
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,338/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,651
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,439
−HK$1,813/mo
Today · 4.125%
HK$70,252
baseline
▲ 0.50% · 4.625%
HK$73,956
+HK$3,704/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,504/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,380 · Scale 2, in force from 26 Feb 2026)