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$33,115
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$1,047/mo
Today · 4.125%
HK$35,192
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,384/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,840
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,003/mo
Today · 4.125%
HK$38,831
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,662/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,738
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,256/mo
Today · 4.125%
HK$42,230
baseline
▲ 0.50% · 4.625%
HK$44,800
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,460/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,208
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,394
−HK$1,203/mo
Today · 4.125%
HK$46,597
baseline
▲ 0.50% · 4.625%
HK$49,053
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,194/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,361
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,803
−HK$1,465/mo
Today · 4.125%
HK$49,268
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,536/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,576
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,960
−HK$1,403/mo
Today · 4.125%
HK$54,363
baseline
▲ 0.50% · 4.625%
HK$57,228
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,726/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,607
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,461
−HK$1,884/mo
Today · 4.125%
HK$63,345
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,690/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,312
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,091
−HK$1,804/mo
Today · 4.125%
HK$69,895
baseline
▲ 0.50% · 4.625%
HK$73,579
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,790/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,595 · Scale 2, in force from 26 Feb 2026)