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$33,410
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$1,056/mo
Today · 4.125%
HK$35,505
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,010/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,011/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,241
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,267/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,798
−HK$1,213/mo
Today · 4.125%
HK$47,011
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,022/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,228
−HK$1,479/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,731
+HK$3,024/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,431
−HK$1,415/mo
Today · 4.125%
HK$54,846
baseline
▲ 0.50% · 4.625%
HK$57,737
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,692/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,008
−HK$1,901/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,888/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,697
−HK$1,820/mo
Today · 4.125%
HK$70,517
baseline
▲ 0.50% · 4.625%
HK$74,234
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,034/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,440 · Scale 2, in force from 26 Feb 2026)