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$33,408
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$1,056/mo
Today · 4.125%
HK$35,503
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,006/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,163
−HK$1,011/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,239
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,090
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,337
−HK$1,266/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,599
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,795
−HK$1,214/mo
Today · 4.125%
HK$47,009
baseline
▲ 0.50% · 4.625%
HK$49,487
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,018/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,771
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,478/mo
Today · 4.125%
HK$49,704
baseline
▲ 0.50% · 4.625%
HK$52,728
+HK$3,024/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,408/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,032
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,428
−HK$1,416/mo
Today · 4.125%
HK$54,844
baseline
▲ 0.50% · 4.625%
HK$57,734
+HK$2,890/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,688/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,134
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,900/mo
Today · 4.125%
HK$63,905
baseline
▲ 0.50% · 4.625%
HK$67,794
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,810/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,899
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,693
−HK$1,820/mo
Today · 4.125%
HK$70,513
baseline
▲ 0.50% · 4.625%
HK$74,230
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,026/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,411 · Scale 2, in force from 26 Feb 2026)