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$33,411
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,450
−HK$1,056/mo
Today · 4.125%
HK$35,506
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,012/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,169
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,166
−HK$1,012/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,340
−HK$1,267/mo
Today · 4.125%
HK$42,607
baseline
▲ 0.50% · 4.625%
HK$45,200
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,214/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,213/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,775
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,230
−HK$1,479/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,733
+HK$3,024/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,037
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,416/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,698/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,140
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,011
−HK$1,900/mo
Today · 4.125%
HK$63,911
baseline
▲ 0.50% · 4.625%
HK$67,800
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,822/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,905
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,699
−HK$1,821/mo
Today · 4.125%
HK$70,520
baseline
▲ 0.50% · 4.625%
HK$74,237
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,040/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,463 · Scale 2, in force from 26 Feb 2026)