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$33,309
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,345
−HK$1,053/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,008/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,117
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,971
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,263/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,062
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,210/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,340
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,633
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,474/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,572
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,878
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,270
−HK$1,411/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,956
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,895/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,701
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,490
−HK$1,814/mo
Today · 4.125%
HK$70,304
baseline
▲ 0.50% · 4.625%
HK$74,010
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,608/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,784 · Scale 2, in force from 26 Feb 2026)