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$33,106
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,135
−HK$1,047/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,002/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,963
−HK$1,255/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,787
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,196
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,381
−HK$1,202/mo
Today · 4.125%
HK$46,583
baseline
▲ 0.50% · 4.625%
HK$49,039
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,166/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,464/mo
Today · 4.125%
HK$49,254
baseline
▲ 0.50% · 4.625%
HK$52,251
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,508/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,562
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,402/mo
Today · 4.125%
HK$54,347
baseline
▲ 0.50% · 4.625%
HK$57,212
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,694/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,590
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,444
−HK$1,883/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$67,180
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,294
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,072
−HK$1,803/mo
Today · 4.125%
HK$69,875
baseline
▲ 0.50% · 4.625%
HK$73,558
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,750/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,441 · Scale 2, in force from 26 Feb 2026)