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$33,433
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$1,057/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,194
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,012/mo
Today · 4.125%
HK$39,203
baseline
▲ 0.50% · 4.625%
HK$41,270
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,406/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,594/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,214/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,480/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,479/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,072
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,468
−HK$1,417/mo
Today · 4.125%
HK$54,885
baseline
▲ 0.50% · 4.625%
HK$57,778
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,770/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,180
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,902/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,949
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,821/mo
Today · 4.125%
HK$70,566
baseline
▲ 0.50% · 4.625%
HK$74,286
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,132/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,825 · Scale 2, in force from 26 Feb 2026)