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$33,289
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$1,052/mo
Today · 4.125%
HK$35,377
baseline
▲ 0.50% · 4.625%
HK$37,530
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,754/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,034
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,027
−HK$1,008/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,262/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$45,036
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,441
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,209/mo
Today · 4.125%
HK$46,842
baseline
▲ 0.50% · 4.625%
HK$49,311
+HK$2,469/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,684/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,605
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,055
−HK$1,473/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,541
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,848
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,411/mo
Today · 4.125%
HK$54,649
baseline
▲ 0.50% · 4.625%
HK$57,530
+HK$2,881/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,298/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,921
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,785
−HK$1,894/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,553
+HK$3,874/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,662
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,449
−HK$1,814/mo
Today · 4.125%
HK$70,263
baseline
▲ 0.50% · 4.625%
HK$73,967
+HK$3,704/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,526/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,463 · Scale 2, in force from 26 Feb 2026)