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$33,308
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$1,053/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,551
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,008/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,116
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,263/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,210/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,632
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,082
−HK$1,474/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,571
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,877
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,411/mo
Today · 4.125%
HK$54,680
baseline
▲ 0.50% · 4.625%
HK$57,562
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,360/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,955
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,820
−HK$1,895/mo
Today · 4.125%
HK$63,715
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,430/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,699
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,488
−HK$1,815/mo
Today · 4.125%
HK$70,303
baseline
▲ 0.50% · 4.625%
HK$74,009
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,606/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,773 · Scale 2, in force from 26 Feb 2026)