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$33,120
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$1,047/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,003/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,257/mo
Today · 4.125%
HK$42,237
baseline
▲ 0.50% · 4.625%
HK$44,807
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,474/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,215
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,401
−HK$1,203/mo
Today · 4.125%
HK$46,604
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,208/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,811
−HK$1,465/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$52,274
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,584
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,968
−HK$1,403/mo
Today · 4.125%
HK$54,371
baseline
▲ 0.50% · 4.625%
HK$57,237
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,742/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,884/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$67,210
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,323
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,101
−HK$1,805/mo
Today · 4.125%
HK$69,906
baseline
▲ 0.50% · 4.625%
HK$73,591
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,812/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,679 · Scale 2, in force from 26 Feb 2026)