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$33,432
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$1,057/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,690
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,056/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,012/mo
Today · 4.125%
HK$39,202
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,404/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,118
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,268/mo
Today · 4.125%
HK$42,634
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,594/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$85,268/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,631
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,828
−HK$1,214/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,480/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,804
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,479/mo
Today · 4.125%
HK$49,739
baseline
▲ 0.50% · 4.625%
HK$52,766
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,478/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,069
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,416/mo
Today · 4.125%
HK$54,882
baseline
▲ 0.50% · 4.625%
HK$57,775
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,764/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,177
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,901/mo
Today · 4.125%
HK$63,950
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,900/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,946
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,741
−HK$1,822/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,282
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,799 · Scale 2, in force from 26 Feb 2026)