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$33,416
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$1,057/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,672
+HK$2,160/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$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,175
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,011/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,347
−HK$1,267/mo
Today · 4.125%
HK$42,614
baseline
▲ 0.50% · 4.625%
HK$45,207
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,228/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,610
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,214/mo
Today · 4.125%
HK$47,020
baseline
▲ 0.50% · 4.625%
HK$49,499
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,040/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,782
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,238
−HK$1,478/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,741
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,045
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,441
−HK$1,416/mo
Today · 4.125%
HK$54,857
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,714/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,149
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,020
−HK$1,901/mo
Today · 4.125%
HK$63,921
baseline
▲ 0.50% · 4.625%
HK$67,810
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,842/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,915
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,710
−HK$1,820/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,248
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,544 · Scale 2, in force from 26 Feb 2026)