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$33,092
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,121
−HK$1,046/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,814
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,001/mo
Today · 4.125%
HK$38,803
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,606/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,946
−HK$1,254/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,568/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,177
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,202/mo
Today · 4.125%
HK$46,564
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,455/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,128/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,329
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,770
−HK$1,464/mo
Today · 4.125%
HK$49,234
baseline
▲ 0.50% · 4.625%
HK$52,230
+HK$2,996/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,468/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,540
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,403/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,188
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,418
−HK$1,883/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$67,152
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,266
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,043
−HK$1,803/mo
Today · 4.125%
HK$69,846
baseline
▲ 0.50% · 4.625%
HK$73,528
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,692/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,214 · Scale 2, in force from 26 Feb 2026)