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$33,127
−HK$2,078/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$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,003/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,047/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$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,257/mo
Today · 4.125%
HK$42,246
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,570/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$544,797 · 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$49,071
+HK$2,457/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$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,378
−HK$2,909/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$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,595
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,979
−HK$1,404/mo
Today · 4.125%
HK$54,383
baseline
▲ 0.50% · 4.625%
HK$57,249
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,766/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,629
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,484
−HK$1,884/mo
Today · 4.125%
HK$63,368
baseline
▲ 0.50% · 4.625%
HK$67,224
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,736/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,337
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$1,805/mo
Today · 4.125%
HK$69,921
baseline
▲ 0.50% · 4.625%
HK$73,606
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,842/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,797 · Scale 2, in force from 26 Feb 2026)