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$33,266
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$1,052/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,503
+HK$2,151/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,008
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,007/mo
Today · 4.125%
HK$39,007
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,056/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$78,014/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,262/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$45,003
+HK$2,581/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,409
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,208/mo
Today · 4.125%
HK$46,808
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,468/mo
Deposit HK$5.84M · loan HK$8.75M · min. income ≈ HK$93,616/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,572
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,471/mo
Today · 4.125%
HK$49,492
baseline
▲ 0.50% · 4.625%
HK$52,504
+HK$3,012/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$98,984/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,811
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,200
−HK$1,410/mo
Today · 4.125%
HK$54,610
baseline
▲ 0.50% · 4.625%
HK$57,488
+HK$2,878/mo
Deposit HK$4.38M · loan HK$10.21M · min. income ≈ HK$109,220/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,878
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,741
−HK$1,892/mo
Today · 4.125%
HK$63,633
baseline
▲ 0.50% · 4.625%
HK$67,505
+HK$3,872/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$127,266/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,614
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,400
−HK$1,813/mo
Today · 4.125%
HK$70,213
baseline
▲ 0.50% · 4.625%
HK$73,914
+HK$3,701/mo
Deposit HK$1.46M · loan HK$13.13M · min. income ≈ HK$140,426/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,071 · Scale 2, in force from 26 Feb 2026)