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$33,124
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,154
−HK$1,047/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,003/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$40,888
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,748
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,256/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,811
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,406
−HK$1,203/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,065
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,373
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,816
−HK$1,465/mo
Today · 4.125%
HK$49,281
baseline
▲ 0.50% · 4.625%
HK$52,280
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,562/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,590
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,973
−HK$1,404/mo
Today · 4.125%
HK$54,377
baseline
▲ 0.50% · 4.625%
HK$57,243
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,754/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,622
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,477
−HK$1,884/mo
Today · 4.125%
HK$63,361
baseline
▲ 0.50% · 4.625%
HK$67,217
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,722/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,329
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,108
−HK$1,805/mo
Today · 4.125%
HK$69,913
baseline
▲ 0.50% · 4.625%
HK$73,598
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,826/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,735 · Scale 2, in force from 26 Feb 2026)