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$33,275
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$1,052/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,008/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,075
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,173
−HK$1,261/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,208/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,290
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,586
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,472/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,519
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,826
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,216
−HK$1,410/mo
Today · 4.125%
HK$54,626
baseline
▲ 0.50% · 4.625%
HK$57,505
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,252/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,896
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,893/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,525
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,633
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,420
−HK$1,813/mo
Today · 4.125%
HK$70,233
baseline
▲ 0.50% · 4.625%
HK$73,935
+HK$3,702/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,466/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,232 · Scale 2, in force from 26 Feb 2026)