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$33,310
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$1,053/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,057
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,008/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,118
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,215
−HK$1,263/mo
Today · 4.125%
HK$42,478
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,956/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,468
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,210/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,341
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,084
−HK$1,474/mo
Today · 4.125%
HK$49,558
baseline
▲ 0.50% · 4.625%
HK$52,573
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,116/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,879
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,271
−HK$1,411/mo
Today · 4.125%
HK$54,682
baseline
▲ 0.50% · 4.625%
HK$57,565
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,364/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,957
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,822
−HK$1,895/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,594
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,702
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,491
−HK$1,815/mo
Today · 4.125%
HK$70,306
baseline
▲ 0.50% · 4.625%
HK$74,012
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,612/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,796 · Scale 2, in force from 26 Feb 2026)