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$33,443
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$1,057/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,703
+HK$2,163/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,012/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,380
−HK$1,268/mo
Today · 4.125%
HK$42,648
baseline
▲ 0.50% · 4.625%
HK$45,243
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,296/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,646
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,843
−HK$1,215/mo
Today · 4.125%
HK$47,058
baseline
▲ 0.50% · 4.625%
HK$49,539
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,116/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,479/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,784
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,484
−HK$1,417/mo
Today · 4.125%
HK$54,901
baseline
▲ 0.50% · 4.625%
HK$57,795
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,802/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,197
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,070
−HK$1,902/mo
Today · 4.125%
HK$63,972
baseline
▲ 0.50% · 4.625%
HK$67,865
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,944/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,969
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,765
−HK$1,822/mo
Today · 4.125%
HK$70,587
baseline
▲ 0.50% · 4.625%
HK$74,308
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,174/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,988 · Scale 2, in force from 26 Feb 2026)