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$33,413
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$1,056/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,012/mo
Today · 4.125%
HK$39,180
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,360/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,095
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,267/mo
Today · 4.125%
HK$42,610
baseline
▲ 0.50% · 4.625%
HK$45,202
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,220/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,606
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,802
−HK$1,214/mo
Today · 4.125%
HK$47,016
baseline
▲ 0.50% · 4.625%
HK$49,494
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,032/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,778
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,233
−HK$1,478/mo
Today · 4.125%
HK$49,711
baseline
▲ 0.50% · 4.625%
HK$52,736
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,422/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,040
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,436
−HK$1,416/mo
Today · 4.125%
HK$54,852
baseline
▲ 0.50% · 4.625%
HK$57,743
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,704/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,143
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,014
−HK$1,901/mo
Today · 4.125%
HK$63,915
baseline
▲ 0.50% · 4.625%
HK$67,804
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,830/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,909
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,703
−HK$1,820/mo
Today · 4.125%
HK$70,523
baseline
▲ 0.50% · 4.625%
HK$74,241
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,046/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,492 · Scale 2, in force from 26 Feb 2026)