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$33,422
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$1,056/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,012/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,107
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,268/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$45,215
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,619
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,214/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,791
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,247
−HK$1,479/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,751
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,055
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,451
−HK$1,416/mo
Today · 4.125%
HK$54,867
baseline
▲ 0.50% · 4.625%
HK$57,759
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,734/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,160
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,032
−HK$1,901/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,823
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,928
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,723
−HK$1,821/mo
Today · 4.125%
HK$70,544
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,088/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,649 · Scale 2, in force from 26 Feb 2026)