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$33,128
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$1,047/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,002/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$40,893
+HK$2,048/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,990
−HK$1,256/mo
Today · 4.125%
HK$42,246
baseline
▲ 0.50% · 4.625%
HK$44,817
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,492/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,225
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,411
−HK$1,203/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,072
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,379
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,821
−HK$1,466/mo
Today · 4.125%
HK$49,287
baseline
▲ 0.50% · 4.625%
HK$52,286
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,574/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,596
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,980
−HK$1,404/mo
Today · 4.125%
HK$54,384
baseline
▲ 0.50% · 4.625%
HK$57,250
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,768/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,630
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,884/mo
Today · 4.125%
HK$63,369
baseline
▲ 0.50% · 4.625%
HK$67,225
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,738/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,338
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,117
−HK$1,805/mo
Today · 4.125%
HK$69,922
baseline
▲ 0.50% · 4.625%
HK$73,607
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,844/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,803 · Scale 2, in force from 26 Feb 2026)