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$34,347
−HK$1,052/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,553
+HK$2,154/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$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,051
−HK$1,009/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,119
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,973
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,263/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,210/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,635
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,085
−HK$1,474/mo
Today · 4.125%
HK$49,559
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,118/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,272
−HK$1,412/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$57,566
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,959
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,895/mo
Today · 4.125%
HK$63,719
baseline
▲ 0.50% · 4.625%
HK$67,596
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,438/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,704
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,493
−HK$1,814/mo
Today · 4.125%
HK$70,307
baseline
▲ 0.50% · 4.625%
HK$74,013
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,614/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,808 · Scale 2, in force from 26 Feb 2026)