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$33,440
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$1,057/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,199
−HK$1,012/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,278
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,376
−HK$1,268/mo
Today · 4.125%
HK$42,644
baseline
▲ 0.50% · 4.625%
HK$45,239
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,288/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,642
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,839
−HK$1,214/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,479/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,779
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,082
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,479
−HK$1,417/mo
Today · 4.125%
HK$54,896
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,792/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,192
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,902/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,858
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,962
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,758
−HK$1,822/mo
Today · 4.125%
HK$70,580
baseline
▲ 0.50% · 4.625%
HK$74,301
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,160/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,934 · Scale 2, in force from 26 Feb 2026)