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$33,270
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$1,052/mo
Today · 4.125%
HK$35,356
baseline
▲ 0.50% · 4.625%
HK$37,507
+HK$2,151/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,712/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,012
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,005
−HK$1,007/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,068
+HK$2,056/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,923
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,262/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$45,009
+HK$2,582/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,414
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,208/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,282
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,577
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,026
−HK$1,472/mo
Today · 4.125%
HK$49,498
baseline
▲ 0.50% · 4.625%
HK$52,510
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,996/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,817
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,409/mo
Today · 4.125%
HK$54,616
baseline
▲ 0.50% · 4.625%
HK$57,495
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,232/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,892/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,622
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$1,813/mo
Today · 4.125%
HK$70,221
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,442/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,135 · Scale 2, in force from 26 Feb 2026)