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$33,410
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$1,056/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,666
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,012/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,242
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,267/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,798
−HK$1,214/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,490
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,478/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,732
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,036
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,431
−HK$1,416/mo
Today · 4.125%
HK$54,847
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,694/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,900/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,798
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,903
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,698
−HK$1,820/mo
Today · 4.125%
HK$70,518
baseline
▲ 0.50% · 4.625%
HK$74,235
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,036/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,448 · Scale 2, in force from 26 Feb 2026)