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$33,423
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$1,056/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,680
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,012/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,108
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,355
−HK$1,268/mo
Today · 4.125%
HK$42,623
baseline
▲ 0.50% · 4.625%
HK$45,216
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,246/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,619
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,816
−HK$1,214/mo
Today · 4.125%
HK$47,030
baseline
▲ 0.50% · 4.625%
HK$49,509
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,060/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,792
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,248
−HK$1,479/mo
Today · 4.125%
HK$49,727
baseline
▲ 0.50% · 4.625%
HK$52,752
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,454/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,056
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,452
−HK$1,416/mo
Today · 4.125%
HK$54,868
baseline
▲ 0.50% · 4.625%
HK$57,761
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,736/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,162
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,033
−HK$1,901/mo
Today · 4.125%
HK$63,934
baseline
▲ 0.50% · 4.625%
HK$67,824
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,868/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,929
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,724
−HK$1,821/mo
Today · 4.125%
HK$70,545
baseline
▲ 0.50% · 4.625%
HK$74,264
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,090/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,661 · Scale 2, in force from 26 Feb 2026)