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$33,304
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$1,053/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,546
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,008/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,111
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,263/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,461
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,653
−HK$1,210/mo
Today · 4.125%
HK$46,863
baseline
▲ 0.50% · 4.625%
HK$49,333
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,726/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,474/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,565
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,411/mo
Today · 4.125%
HK$54,673
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,346/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,948
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,895/mo
Today · 4.125%
HK$63,707
baseline
▲ 0.50% · 4.625%
HK$67,583
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,414/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,691
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,480
−HK$1,814/mo
Today · 4.125%
HK$70,294
baseline
▲ 0.50% · 4.625%
HK$74,000
+HK$3,706/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,588/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,706 · Scale 2, in force from 26 Feb 2026)