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$33,412
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$1,056/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,668
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,011/mo
Today · 4.125%
HK$39,179
baseline
▲ 0.50% · 4.625%
HK$41,244
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,358/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,095
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,342
−HK$1,267/mo
Today · 4.125%
HK$42,609
baseline
▲ 0.50% · 4.625%
HK$45,202
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,218/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,605
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,801
−HK$1,214/mo
Today · 4.125%
HK$47,015
baseline
▲ 0.50% · 4.625%
HK$49,493
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,030/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,777
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,478/mo
Today · 4.125%
HK$49,710
baseline
▲ 0.50% · 4.625%
HK$52,735
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,420/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,039
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,435
−HK$1,416/mo
Today · 4.125%
HK$54,851
baseline
▲ 0.50% · 4.625%
HK$57,742
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,702/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,142
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,013
−HK$1,900/mo
Today · 4.125%
HK$63,913
baseline
▲ 0.50% · 4.625%
HK$67,802
+HK$3,889/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,826/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,907
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,702
−HK$1,820/mo
Today · 4.125%
HK$70,522
baseline
▲ 0.50% · 4.625%
HK$74,239
+HK$3,717/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,044/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,481 · Scale 2, in force from 26 Feb 2026)