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$33,442
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$1,057/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,701
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,203
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,012/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,130
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,378
−HK$1,268/mo
Today · 4.125%
HK$42,646
baseline
▲ 0.50% · 4.625%
HK$45,241
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,292/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,644
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,841
−HK$1,215/mo
Today · 4.125%
HK$47,056
baseline
▲ 0.50% · 4.625%
HK$49,536
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,112/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,818
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,274
−HK$1,480/mo
Today · 4.125%
HK$49,754
baseline
▲ 0.50% · 4.625%
HK$52,781
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,508/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,085
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,417/mo
Today · 4.125%
HK$54,899
baseline
▲ 0.50% · 4.625%
HK$57,792
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,798/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,195
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,067
−HK$1,902/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,862
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,966
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,762
−HK$1,822/mo
Today · 4.125%
HK$70,584
baseline
▲ 0.50% · 4.625%
HK$74,305
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,168/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,964 · Scale 2, in force from 26 Feb 2026)