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$33,412
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$1,056/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,011/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$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,094
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,341
−HK$1,267/mo
Today · 4.125%
HK$42,608
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,216/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,214/mo
Today · 4.125%
HK$47,014
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,028/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,478/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$3,025/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$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,434
−HK$1,415/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$57,741
+HK$2,892/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$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,141
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,011
−HK$1,901/mo
Today · 4.125%
HK$63,912
baseline
▲ 0.50% · 4.625%
HK$67,801
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,824/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,906
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,700
−HK$1,821/mo
Today · 4.125%
HK$70,521
baseline
▲ 0.50% · 4.625%
HK$74,238
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,042/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,470 · Scale 2, in force from 26 Feb 2026)