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$33,415
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$1,056/mo
Today · 4.125%
HK$35,511
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,022/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,174
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,171
−HK$1,012/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,098
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,267/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,609
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,214/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,498
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,781
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,237
−HK$1,478/mo
Today · 4.125%
HK$49,715
baseline
▲ 0.50% · 4.625%
HK$52,740
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,430/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,044
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,440
−HK$1,416/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$57,747
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,148
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,018
−HK$1,901/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,809
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,914
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,708
−HK$1,821/mo
Today · 4.125%
HK$70,529
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,058/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,532 · Scale 2, in force from 26 Feb 2026)