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$33,436
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$1,057/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,197
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,195
−HK$1,012/mo
Today · 4.125%
HK$39,207
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,414/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,123
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,371
−HK$1,268/mo
Today · 4.125%
HK$42,639
baseline
▲ 0.50% · 4.625%
HK$45,234
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,278/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,637
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,834
−HK$1,214/mo
Today · 4.125%
HK$47,048
baseline
▲ 0.50% · 4.625%
HK$49,528
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,096/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,811
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,479/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,773
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,076
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,473
−HK$1,417/mo
Today · 4.125%
HK$54,890
baseline
▲ 0.50% · 4.625%
HK$57,783
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,780/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,185
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,057
−HK$1,902/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,851
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,955
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,751
−HK$1,822/mo
Today · 4.125%
HK$70,573
baseline
▲ 0.50% · 4.625%
HK$74,293
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,146/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,874 · Scale 2, in force from 26 Feb 2026)