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$33,312
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$1,053/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,555
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,008/mo
Today · 4.125%
HK$39,061
baseline
▲ 0.50% · 4.625%
HK$41,120
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,122/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,218
−HK$1,263/mo
Today · 4.125%
HK$42,481
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,962/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,471
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,663
−HK$1,210/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,636
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,474/mo
Today · 4.125%
HK$49,561
baseline
▲ 0.50% · 4.625%
HK$52,577
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,122/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,883
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,274
−HK$1,412/mo
Today · 4.125%
HK$54,686
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,372/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,961
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,895/mo
Today · 4.125%
HK$63,721
baseline
▲ 0.50% · 4.625%
HK$67,599
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,442/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,706
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,495
−HK$1,815/mo
Today · 4.125%
HK$70,310
baseline
▲ 0.50% · 4.625%
HK$74,016
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,620/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,830 · Scale 2, in force from 26 Feb 2026)