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$33,315
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$1,052/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,559
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,063
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,057
−HK$1,008/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,978
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,222
−HK$1,263/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,668
−HK$1,210/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,349
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,474/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,582
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,888
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,280
−HK$1,411/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,967
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,833
−HK$1,895/mo
Today · 4.125%
HK$63,728
baseline
▲ 0.50% · 4.625%
HK$67,606
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,456/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,713
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,502
−HK$1,815/mo
Today · 4.125%
HK$70,317
baseline
▲ 0.50% · 4.625%
HK$74,024
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,634/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,887 · Scale 2, in force from 26 Feb 2026)