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$33,419
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,459
−HK$1,056/mo
Today · 4.125%
HK$35,515
baseline
▲ 0.50% · 4.625%
HK$37,676
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,030/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,176
−HK$1,011/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,253
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,350
−HK$1,268/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,214/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,787
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,242
−HK$1,479/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,050
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,416/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,026
−HK$1,901/mo
Today · 4.125%
HK$63,927
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,854/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,921
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,716
−HK$1,821/mo
Today · 4.125%
HK$70,537
baseline
▲ 0.50% · 4.625%
HK$74,255
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,074/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,596 · Scale 2, in force from 26 Feb 2026)