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$33,418
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$1,056/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,177
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,174
−HK$1,012/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,268/mo
Today · 4.125%
HK$42,617
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,234/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,214/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,785
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,478/mo
Today · 4.125%
HK$49,719
baseline
▲ 0.50% · 4.625%
HK$52,745
+HK$3,026/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,438/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,048
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,444
−HK$1,416/mo
Today · 4.125%
HK$54,860
baseline
▲ 0.50% · 4.625%
HK$57,752
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,720/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,153
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,024
−HK$1,901/mo
Today · 4.125%
HK$63,925
baseline
▲ 0.50% · 4.625%
HK$67,815
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,850/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,919
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,714
−HK$1,821/mo
Today · 4.125%
HK$70,535
baseline
▲ 0.50% · 4.625%
HK$74,253
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,070/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,580 · Scale 2, in force from 26 Feb 2026)