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$33,300
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,336
−HK$1,053/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,542
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,046
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,008/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,106
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,960
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,203
−HK$1,263/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,456
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,209/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,327
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,621
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,071
−HK$1,473/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,559
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,256
−HK$1,411/mo
Today · 4.125%
HK$54,667
baseline
▲ 0.50% · 4.625%
HK$57,549
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,334/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,941
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,805
−HK$1,894/mo
Today · 4.125%
HK$63,699
baseline
▲ 0.50% · 4.625%
HK$67,575
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,398/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,683
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,472
−HK$1,814/mo
Today · 4.125%
HK$70,286
baseline
▲ 0.50% · 4.625%
HK$73,991
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,572/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,642 · Scale 2, in force from 26 Feb 2026)