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$33,278
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$1,052/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,517
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,021
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,008/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,934
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,262/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,209/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,652/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,589
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,038
−HK$1,473/mo
Today · 4.125%
HK$49,511
baseline
▲ 0.50% · 4.625%
HK$52,523
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,022/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,830
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,220
−HK$1,410/mo
Today · 4.125%
HK$54,630
baseline
▲ 0.50% · 4.625%
HK$57,510
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,260/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,900
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,764
−HK$1,893/mo
Today · 4.125%
HK$63,657
baseline
▲ 0.50% · 4.625%
HK$67,530
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,314/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,639
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,426
−HK$1,813/mo
Today · 4.125%
HK$70,239
baseline
▲ 0.50% · 4.625%
HK$73,941
+HK$3,702/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,478/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,275 · Scale 2, in force from 26 Feb 2026)