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$33,305
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$1,052/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,547
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,045
−HK$1,008/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,112
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,263/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,210/mo
Today · 4.125%
HK$46,864
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,728/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,627
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,077
−HK$1,474/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,566
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,872
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,263
−HK$1,411/mo
Today · 4.125%
HK$54,674
baseline
▲ 0.50% · 4.625%
HK$57,556
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,348/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,814
−HK$1,894/mo
Today · 4.125%
HK$63,708
baseline
▲ 0.50% · 4.625%
HK$67,585
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,416/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,693
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,481
−HK$1,815/mo
Today · 4.125%
HK$70,296
baseline
▲ 0.50% · 4.625%
HK$74,001
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,592/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,717 · Scale 2, in force from 26 Feb 2026)