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$33,274
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$1,052/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,512
+HK$2,151/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,010
−HK$1,007/mo
Today · 4.125%
HK$39,017
baseline
▲ 0.50% · 4.625%
HK$41,073
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,034/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,929
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,171
−HK$1,262/mo
Today · 4.125%
HK$42,433
baseline
▲ 0.50% · 4.625%
HK$45,015
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,866/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,420
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,612
−HK$1,208/mo
Today · 4.125%
HK$46,820
baseline
▲ 0.50% · 4.625%
HK$49,288
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,640/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,584
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,033
−HK$1,472/mo
Today · 4.125%
HK$49,505
baseline
▲ 0.50% · 4.625%
HK$52,517
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$99,010/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,824
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,214
−HK$1,410/mo
Today · 4.125%
HK$54,624
baseline
▲ 0.50% · 4.625%
HK$57,503
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,248/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,893
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,756
−HK$1,893/mo
Today · 4.125%
HK$63,649
baseline
▲ 0.50% · 4.625%
HK$67,522
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,298/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,631
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,418
−HK$1,812/mo
Today · 4.125%
HK$70,230
baseline
▲ 0.50% · 4.625%
HK$73,932
+HK$3,702/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,460/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,208 · Scale 2, in force from 26 Feb 2026)