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$33,301
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$1,053/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,041
−HK$1,008/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,107
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,961
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,262/mo
Today · 4.125%
HK$42,467
baseline
▲ 0.50% · 4.625%
HK$45,051
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,934/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,457
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,649
−HK$1,210/mo
Today · 4.125%
HK$46,859
baseline
▲ 0.50% · 4.625%
HK$49,329
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,718/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,473/mo
Today · 4.125%
HK$49,545
baseline
▲ 0.50% · 4.625%
HK$52,560
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,090/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,866
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,257
−HK$1,411/mo
Today · 4.125%
HK$54,668
baseline
▲ 0.50% · 4.625%
HK$57,550
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,336/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,942
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,894/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,577
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$1,814/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$73,993
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,657 · Scale 2, in force from 26 Feb 2026)