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$33,295
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$1,052/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,535
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,033
−HK$1,008/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,099
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,196
−HK$1,263/mo
Today · 4.125%
HK$42,459
baseline
▲ 0.50% · 4.625%
HK$45,042
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,918/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,448
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,640
−HK$1,209/mo
Today · 4.125%
HK$46,849
baseline
▲ 0.50% · 4.625%
HK$49,319
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,698/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,473/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,550
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,247
−HK$1,410/mo
Today · 4.125%
HK$54,657
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$2,881/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,314/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,930
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,794
−HK$1,894/mo
Today · 4.125%
HK$63,688
baseline
▲ 0.50% · 4.625%
HK$67,564
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,376/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,672
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$1,814/mo
Today · 4.125%
HK$70,274
baseline
▲ 0.50% · 4.625%
HK$73,978
+HK$3,704/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,548/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,547 · Scale 2, in force from 26 Feb 2026)