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$33,319
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$1,053/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$2,154/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,008/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,128
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,982
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,226
−HK$1,263/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$45,075
+HK$2,586/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$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,480
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,673
−HK$1,210/mo
Today · 4.125%
HK$46,883
baseline
▲ 0.50% · 4.625%
HK$49,354
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,766/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,097
−HK$1,474/mo
Today · 4.125%
HK$49,571
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,142/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,893
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,285
−HK$1,412/mo
Today · 4.125%
HK$54,697
baseline
▲ 0.50% · 4.625%
HK$57,580
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,394/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,973
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,839
−HK$1,895/mo
Today · 4.125%
HK$63,734
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,468/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,720
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,509
−HK$1,815/mo
Today · 4.125%
HK$70,324
baseline
▲ 0.50% · 4.625%
HK$74,031
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,648/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,941 · Scale 2, in force from 26 Feb 2026)