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$33,280
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,315
−HK$1,052/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,519
+HK$2,152/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,024
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,007/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,081
+HK$2,057/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,262/mo
Today · 4.125%
HK$42,440
baseline
▲ 0.50% · 4.625%
HK$45,023
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,880/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,428
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,209/mo
Today · 4.125%
HK$46,829
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,658/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,473/mo
Today · 4.125%
HK$49,514
baseline
▲ 0.50% · 4.625%
HK$52,527
+HK$3,013/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,028/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,833
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,411/mo
Today · 4.125%
HK$54,634
baseline
▲ 0.50% · 4.625%
HK$57,513
+HK$2,879/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,268/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,904
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,767
−HK$1,894/mo
Today · 4.125%
HK$63,661
baseline
▲ 0.50% · 4.625%
HK$67,534
+HK$3,873/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,322/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,643
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,430
−HK$1,813/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$73,946
+HK$3,703/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,308 · Scale 2, in force from 26 Feb 2026)