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$33,421
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$1,056/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,180
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,177
−HK$1,012/mo
Today · 4.125%
HK$39,189
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,378/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,105
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,268/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,214/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,505
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,789
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,479/mo
Today · 4.125%
HK$49,723
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,446/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,052
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,448
−HK$1,416/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,157
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,901/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,819
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,924
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,719
−HK$1,821/mo
Today · 4.125%
HK$70,540
baseline
▲ 0.50% · 4.625%
HK$74,258
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,080/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,619 · Scale 2, in force from 26 Feb 2026)