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$33,405
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,055/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,163
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,011/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,065/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,087
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,267/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,792
−HK$1,213/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,483
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,768
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,222
−HK$1,478/mo
Today · 4.125%
HK$49,700
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$3,025/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,400/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,029
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,424
−HK$1,415/mo
Today · 4.125%
HK$54,839
baseline
▲ 0.50% · 4.625%
HK$57,730
+HK$2,891/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,678/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,130
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$62,000
−HK$1,900/mo
Today · 4.125%
HK$63,900
baseline
▲ 0.50% · 4.625%
HK$67,789
+HK$3,889/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,800/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,894
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,688
−HK$1,820/mo
Today · 4.125%
HK$70,508
baseline
▲ 0.50% · 4.625%
HK$74,224
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$141,016/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,370 · Scale 2, in force from 26 Feb 2026)