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$33,434
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$1,056/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,195
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,012/mo
Today · 4.125%
HK$39,204
baseline
▲ 0.50% · 4.625%
HK$41,271
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,408/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,369
−HK$1,267/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,231
+HK$2,595/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,214/mo
Today · 4.125%
HK$47,045
baseline
▲ 0.50% · 4.625%
HK$49,525
+HK$2,480/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$94,090/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,807
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,263
−HK$1,480/mo
Today · 4.125%
HK$49,743
baseline
▲ 0.50% · 4.625%
HK$52,769
+HK$3,026/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,486/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,073
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,469
−HK$1,417/mo
Today · 4.125%
HK$54,886
baseline
▲ 0.50% · 4.625%
HK$57,779
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,772/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,181
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,053
−HK$1,902/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,891/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$1,822/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,287
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,836 · Scale 2, in force from 26 Feb 2026)