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$33,419
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$1,056/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,012/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,350
−HK$1,267/mo
Today · 4.125%
HK$42,617
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,234/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,810
−HK$1,214/mo
Today · 4.125%
HK$47,024
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,048/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,786
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,242
−HK$1,478/mo
Today · 4.125%
HK$49,720
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$3,026/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,440/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,049
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,445
−HK$1,416/mo
Today · 4.125%
HK$54,861
baseline
▲ 0.50% · 4.625%
HK$57,753
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,722/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,154
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,025
−HK$1,901/mo
Today · 4.125%
HK$63,926
baseline
▲ 0.50% · 4.625%
HK$67,816
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,852/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,920
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,715
−HK$1,821/mo
Today · 4.125%
HK$70,536
baseline
▲ 0.50% · 4.625%
HK$74,254
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,072/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,589 · Scale 2, in force from 26 Feb 2026)