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$33,438
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$1,057/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,697
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,012/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,268/mo
Today · 4.125%
HK$42,642
baseline
▲ 0.50% · 4.625%
HK$45,237
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,284/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,639
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,214/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,479/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,776
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,079
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,476
−HK$1,417/mo
Today · 4.125%
HK$54,893
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,786/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,189
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,902/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,855
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,959
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,755
−HK$1,822/mo
Today · 4.125%
HK$70,577
baseline
▲ 0.50% · 4.625%
HK$74,297
+HK$3,720/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,154/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,908 · Scale 2, in force from 26 Feb 2026)