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$33,431
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$1,056/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,689
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,012/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,268/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,594/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,214/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,480/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,803
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,259
−HK$1,479/mo
Today · 4.125%
HK$49,738
baseline
▲ 0.50% · 4.625%
HK$52,765
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,476/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,068
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,465
−HK$1,416/mo
Today · 4.125%
HK$54,881
baseline
▲ 0.50% · 4.625%
HK$57,774
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,762/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,176
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,048
−HK$1,901/mo
Today · 4.125%
HK$63,949
baseline
▲ 0.50% · 4.625%
HK$67,840
+HK$3,891/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,898/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,945
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,740
−HK$1,822/mo
Today · 4.125%
HK$70,562
baseline
▲ 0.50% · 4.625%
HK$74,281
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,124/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,790 · Scale 2, in force from 26 Feb 2026)