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$33,107
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$1,046/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,831
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,002/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$40,867
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,728
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,256/mo
Today · 4.125%
HK$42,220
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,440/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,202/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,465/mo
Today · 4.125%
HK$49,256
baseline
▲ 0.50% · 4.625%
HK$52,253
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,512/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,563
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,946
−HK$1,403/mo
Today · 4.125%
HK$54,349
baseline
▲ 0.50% · 4.625%
HK$57,214
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,698/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,592
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,446
−HK$1,883/mo
Today · 4.125%
HK$63,329
baseline
▲ 0.50% · 4.625%
HK$67,183
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,658/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,296
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,074
−HK$1,804/mo
Today · 4.125%
HK$69,878
baseline
▲ 0.50% · 4.625%
HK$73,561
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,756/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,460 · Scale 2, in force from 26 Feb 2026)