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$33,320
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$1,053/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,564
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,068
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,062
−HK$1,009/mo
Today · 4.125%
HK$39,071
baseline
▲ 0.50% · 4.625%
HK$41,130
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,142/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,984
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,263/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$45,077
+HK$2,586/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,482
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,210/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,356
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,648
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,474/mo
Today · 4.125%
HK$49,573
baseline
▲ 0.50% · 4.625%
HK$52,590
+HK$3,017/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,146/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,895
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,287
−HK$1,412/mo
Today · 4.125%
HK$54,699
baseline
▲ 0.50% · 4.625%
HK$57,582
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,398/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,896/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,615
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,723
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,512
−HK$1,815/mo
Today · 4.125%
HK$70,327
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,654/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,964 · Scale 2, in force from 26 Feb 2026)