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$33,318
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$1,053/mo
Today · 4.125%
HK$35,407
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,814/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,066
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,008/mo
Today · 4.125%
HK$39,068
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,136/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,981
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,264/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,978/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,210/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,474/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,586
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,892
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,412/mo
Today · 4.125%
HK$54,696
baseline
▲ 0.50% · 4.625%
HK$57,579
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,392/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,972
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,895/mo
Today · 4.125%
HK$63,733
baseline
▲ 0.50% · 4.625%
HK$67,611
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,466/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,718
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,508
−HK$1,815/mo
Today · 4.125%
HK$70,323
baseline
▲ 0.50% · 4.625%
HK$74,030
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,646/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,929 · Scale 2, in force from 26 Feb 2026)