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$33,407
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$1,056/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,012/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,064/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,267/mo
Today · 4.125%
HK$42,602
baseline
▲ 0.50% · 4.625%
HK$45,194
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,204/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,598
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,794
−HK$1,213/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,485
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,770
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,478/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,727
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,031
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,426
−HK$1,416/mo
Today · 4.125%
HK$54,842
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$2,890/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,684/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,132
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,003
−HK$1,900/mo
Today · 4.125%
HK$63,903
baseline
▲ 0.50% · 4.625%
HK$67,791
+HK$3,888/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,806/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,897
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,691
−HK$1,820/mo
Today · 4.125%
HK$70,511
baseline
▲ 0.50% · 4.625%
HK$74,227
+HK$3,716/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,022/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,393 · Scale 2, in force from 26 Feb 2026)