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$33,417
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$1,056/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,673
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,011/mo
Today · 4.125%
HK$39,184
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,368/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,100
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,347
−HK$1,268/mo
Today · 4.125%
HK$42,615
baseline
▲ 0.50% · 4.625%
HK$45,208
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,230/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,611
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,807
−HK$1,214/mo
Today · 4.125%
HK$47,021
baseline
▲ 0.50% · 4.625%
HK$49,500
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,042/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,783
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,478/mo
Today · 4.125%
HK$49,717
baseline
▲ 0.50% · 4.625%
HK$52,742
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,434/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,046
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,442
−HK$1,416/mo
Today · 4.125%
HK$54,858
baseline
▲ 0.50% · 4.625%
HK$57,750
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,716/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,150
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,901/mo
Today · 4.125%
HK$63,922
baseline
▲ 0.50% · 4.625%
HK$67,812
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,844/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,916
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,711
−HK$1,821/mo
Today · 4.125%
HK$70,532
baseline
▲ 0.50% · 4.625%
HK$74,249
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,064/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,556 · Scale 2, in force from 26 Feb 2026)