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$33,314
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,350
−HK$1,053/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$2,155/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,008/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,123
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,977
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,263/mo
Today · 4.125%
HK$42,484
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,968/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,474
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,210/mo
Today · 4.125%
HK$46,877
baseline
▲ 0.50% · 4.625%
HK$49,348
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,754/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,640
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,474/mo
Today · 4.125%
HK$49,565
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,130/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,886
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,278
−HK$1,412/mo
Today · 4.125%
HK$54,690
baseline
▲ 0.50% · 4.625%
HK$57,572
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,380/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,831
−HK$1,895/mo
Today · 4.125%
HK$63,726
baseline
▲ 0.50% · 4.625%
HK$67,604
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,452/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,711
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,500
−HK$1,815/mo
Today · 4.125%
HK$70,315
baseline
▲ 0.50% · 4.625%
HK$74,022
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,630/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,870 · Scale 2, in force from 26 Feb 2026)