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$33,283
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,319
−HK$1,051/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,523
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,020
−HK$1,008/mo
Today · 4.125%
HK$39,028
baseline
▲ 0.50% · 4.625%
HK$41,085
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,056/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,263/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$45,027
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,624
−HK$1,209/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,597
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,046
−HK$1,473/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,532
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,838
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,229
−HK$1,410/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,519
+HK$2,880/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,910
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,773
−HK$1,894/mo
Today · 4.125%
HK$63,667
baseline
▲ 0.50% · 4.625%
HK$67,541
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,334/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,649
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,437
−HK$1,813/mo
Today · 4.125%
HK$70,250
baseline
▲ 0.50% · 4.625%
HK$73,953
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,500/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,362 · Scale 2, in force from 26 Feb 2026)