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$33,306
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$1,053/mo
Today · 4.125%
HK$35,395
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,790/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,053
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,009/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,113
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,967
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,263/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,463
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,656
−HK$1,209/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,336
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,629
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,079
−HK$1,474/mo
Today · 4.125%
HK$49,553
baseline
▲ 0.50% · 4.625%
HK$52,568
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,106/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,874
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,265
−HK$1,411/mo
Today · 4.125%
HK$54,676
baseline
▲ 0.50% · 4.625%
HK$57,558
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,352/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,951
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,816
−HK$1,894/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,587
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,695
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,484
−HK$1,814/mo
Today · 4.125%
HK$70,298
baseline
▲ 0.50% · 4.625%
HK$74,004
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,596/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,736 · Scale 2, in force from 26 Feb 2026)