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$33,406
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,056/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,011/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,087
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,334
−HK$1,267/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$45,193
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,792
−HK$1,214/mo
Today · 4.125%
HK$47,006
baseline
▲ 0.50% · 4.625%
HK$49,484
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,012/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,768
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,223
−HK$1,478/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$3,024/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,029
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,425
−HK$1,415/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$57,731
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,130
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,001
−HK$1,900/mo
Today · 4.125%
HK$63,901
baseline
▲ 0.50% · 4.625%
HK$67,789
+HK$3,888/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,802/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,895
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,689
−HK$1,820/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,225
+HK$3,716/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,377 · Scale 2, in force from 26 Feb 2026)