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$33,315
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$1,053/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$2,154/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,009/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,124
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,978
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,264/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,585/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,475
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,211/mo
Today · 4.125%
HK$46,878
baseline
▲ 0.50% · 4.625%
HK$49,348
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,756/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,474/mo
Today · 4.125%
HK$49,565
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,130/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,887
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,279
−HK$1,411/mo
Today · 4.125%
HK$54,690
baseline
▲ 0.50% · 4.625%
HK$57,573
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,380/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,895/mo
Today · 4.125%
HK$63,727
baseline
▲ 0.50% · 4.625%
HK$67,604
+HK$3,877/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,454/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,712
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,501
−HK$1,815/mo
Today · 4.125%
HK$70,316
baseline
▲ 0.50% · 4.625%
HK$74,023
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,632/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,878 · Scale 2, in force from 26 Feb 2026)