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$33,098
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$1,046/mo
Today · 4.125%
HK$35,174
baseline
▲ 0.50% · 4.625%
HK$37,314
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,348/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,809
−HK$1,002/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$40,857
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,718
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,953
−HK$1,256/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,777
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,202/mo
Today · 4.125%
HK$46,573
baseline
▲ 0.50% · 4.625%
HK$49,028
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,146/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,338
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,779
−HK$1,464/mo
Today · 4.125%
HK$49,243
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,997/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,486/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,550
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,933
−HK$1,402/mo
Today · 4.125%
HK$54,335
baseline
▲ 0.50% · 4.625%
HK$57,199
+HK$2,864/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,670/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,883/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$67,165
+HK$3,852/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,279
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,056
−HK$1,804/mo
Today · 4.125%
HK$69,860
baseline
▲ 0.50% · 4.625%
HK$73,542
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,720/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,319 · Scale 2, in force from 26 Feb 2026)