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$33,437
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$1,057/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,012/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,124
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,268/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$45,235
+HK$2,594/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,638
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,835
−HK$1,215/mo
Today · 4.125%
HK$47,050
baseline
▲ 0.50% · 4.625%
HK$49,530
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,100/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,812
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,268
−HK$1,479/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,774
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,078
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,474
−HK$1,417/mo
Today · 4.125%
HK$54,891
baseline
▲ 0.50% · 4.625%
HK$57,785
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,782/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,187
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,902/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,853
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,957
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,753
−HK$1,822/mo
Today · 4.125%
HK$70,575
baseline
▲ 0.50% · 4.625%
HK$74,295
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,150/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,890 · Scale 2, in force from 26 Feb 2026)