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$33,281
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,316
−HK$1,052/mo
Today · 4.125%
HK$35,368
baseline
▲ 0.50% · 4.625%
HK$37,520
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,736/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,018
−HK$1,007/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,082
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,263/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,430
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,209/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,593
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,472/mo
Today · 4.125%
HK$49,515
baseline
▲ 0.50% · 4.625%
HK$52,528
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,030/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,835
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,225
−HK$1,410/mo
Today · 4.125%
HK$54,635
baseline
▲ 0.50% · 4.625%
HK$57,515
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,270/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,906
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,893/mo
Today · 4.125%
HK$63,662
baseline
▲ 0.50% · 4.625%
HK$67,536
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,324/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,644
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,432
−HK$1,813/mo
Today · 4.125%
HK$70,245
baseline
▲ 0.50% · 4.625%
HK$73,948
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,490/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,323 · Scale 2, in force from 26 Feb 2026)