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$33,276
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$1,052/mo
Today · 4.125%
HK$35,363
baseline
▲ 0.50% · 4.625%
HK$37,515
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,726/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,020
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,008/mo
Today · 4.125%
HK$39,020
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,040/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,932
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,262/mo
Today · 4.125%
HK$42,436
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,872/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,209/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,472/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,521
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,411/mo
Today · 4.125%
HK$54,628
baseline
▲ 0.50% · 4.625%
HK$57,507
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,256/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,897
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,893/mo
Today · 4.125%
HK$63,654
baseline
▲ 0.50% · 4.625%
HK$67,527
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,308/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,635
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,422
−HK$1,813/mo
Today · 4.125%
HK$70,235
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,470/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,247 · Scale 2, in force from 26 Feb 2026)