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$33,286
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,322
−HK$1,051/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,526
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,031
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,024
−HK$1,007/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,089
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,943
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,262/mo
Today · 4.125%
HK$42,448
baseline
▲ 0.50% · 4.625%
HK$45,031
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,896/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,628
−HK$1,209/mo
Today · 4.125%
HK$46,837
baseline
▲ 0.50% · 4.625%
HK$49,306
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,674/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,601
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,050
−HK$1,473/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,536
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,843
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,233
−HK$1,411/mo
Today · 4.125%
HK$54,644
baseline
▲ 0.50% · 4.625%
HK$57,524
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,288/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,779
−HK$1,893/mo
Today · 4.125%
HK$63,672
baseline
▲ 0.50% · 4.625%
HK$67,547
+HK$3,875/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,344/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,655
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,443
−HK$1,813/mo
Today · 4.125%
HK$70,256
baseline
▲ 0.50% · 4.625%
HK$73,959
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,512/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,408 · Scale 2, in force from 26 Feb 2026)