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$33,303
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,338
−HK$1,053/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,544
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,049
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,008/mo
Today · 4.125%
HK$39,050
baseline
▲ 0.50% · 4.625%
HK$41,109
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,100/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,963
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,206
−HK$1,263/mo
Today · 4.125%
HK$42,469
baseline
▲ 0.50% · 4.625%
HK$45,053
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,938/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,459
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,651
−HK$1,209/mo
Today · 4.125%
HK$46,860
baseline
▲ 0.50% · 4.625%
HK$49,331
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,720/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,624
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,074
−HK$1,473/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,562
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,868
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,259
−HK$1,412/mo
Today · 4.125%
HK$54,671
baseline
▲ 0.50% · 4.625%
HK$57,552
+HK$2,881/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,342/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,945
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,809
−HK$1,895/mo
Today · 4.125%
HK$63,704
baseline
▲ 0.50% · 4.625%
HK$67,580
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,408/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,688
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,476
−HK$1,815/mo
Today · 4.125%
HK$70,291
baseline
▲ 0.50% · 4.625%
HK$73,996
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,582/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,678 · Scale 2, in force from 26 Feb 2026)