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$33,417
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$1,056/mo
Today · 4.125%
HK$35,513
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$2,161/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,026/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,173
−HK$1,012/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,348
−HK$1,267/mo
Today · 4.125%
HK$42,615
baseline
▲ 0.50% · 4.625%
HK$45,208
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,230/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,612
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,808
−HK$1,214/mo
Today · 4.125%
HK$47,022
baseline
▲ 0.50% · 4.625%
HK$49,500
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,044/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,784
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,479/mo
Today · 4.125%
HK$49,718
baseline
▲ 0.50% · 4.625%
HK$52,743
+HK$3,025/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,436/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,047
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,443
−HK$1,416/mo
Today · 4.125%
HK$54,859
baseline
▲ 0.50% · 4.625%
HK$57,751
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,718/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,151
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,022
−HK$1,901/mo
Today · 4.125%
HK$63,923
baseline
▲ 0.50% · 4.625%
HK$67,813
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,846/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,917
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,712
−HK$1,821/mo
Today · 4.125%
HK$70,533
baseline
▲ 0.50% · 4.625%
HK$74,251
+HK$3,718/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,066/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,565 · Scale 2, in force from 26 Feb 2026)