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$33,439
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$1,056/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,698
+HK$2,163/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,012/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,269/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$45,237
+HK$2,594/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,640
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,215/mo
Today · 4.125%
HK$47,052
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,104/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,480/mo
Today · 4.125%
HK$49,750
baseline
▲ 0.50% · 4.625%
HK$52,777
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,500/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,080
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,477
−HK$1,417/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,062
−HK$1,902/mo
Today · 4.125%
HK$63,964
baseline
▲ 0.50% · 4.625%
HK$67,856
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,928/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$1,822/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,915 · Scale 2, in force from 26 Feb 2026)