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$33,439
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$1,057/mo
Today · 4.125%
HK$35,536
baseline
▲ 0.50% · 4.625%
HK$37,698
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,072/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,012/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,127
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,268/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$45,238
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,641
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,215/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,533
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,815
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,479/mo
Today · 4.125%
HK$49,750
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,500/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,081
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,417/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$57,788
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,190
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,063
−HK$1,902/mo
Today · 4.125%
HK$63,965
baseline
▲ 0.50% · 4.625%
HK$67,857
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,930/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,961
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,757
−HK$1,822/mo
Today · 4.125%
HK$70,579
baseline
▲ 0.50% · 4.625%
HK$74,299
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,158/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,924 · Scale 2, in force from 26 Feb 2026)