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$33,272
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$1,051/mo
Today · 4.125%
HK$35,358
baseline
▲ 0.50% · 4.625%
HK$37,510
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,716/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,015
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,007/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,071
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,926
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,262/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$45,012
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,417
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,609
−HK$1,208/mo
Today · 4.125%
HK$46,817
baseline
▲ 0.50% · 4.625%
HK$49,285
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$93,634/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,580
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,472/mo
Today · 4.125%
HK$49,501
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$99,002/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,820
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,210
−HK$1,410/mo
Today · 4.125%
HK$54,620
baseline
▲ 0.50% · 4.625%
HK$57,499
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,240/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,889
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,893/mo
Today · 4.125%
HK$63,645
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,872/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,290/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$1,813/mo
Today · 4.125%
HK$70,226
baseline
▲ 0.50% · 4.625%
HK$73,927
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,452/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,172 · Scale 2, in force from 26 Feb 2026)