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$33,116
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$1,046/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,002/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$40,879
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,740
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,256/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,203/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,055
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,465/mo
Today · 4.125%
HK$49,270
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,540/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,578
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,962
−HK$1,403/mo
Today · 4.125%
HK$54,365
baseline
▲ 0.50% · 4.625%
HK$57,231
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,730/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,610
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,464
−HK$1,884/mo
Today · 4.125%
HK$63,348
baseline
▲ 0.50% · 4.625%
HK$67,202
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,696/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,315
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,094
−HK$1,804/mo
Today · 4.125%
HK$69,898
baseline
▲ 0.50% · 4.625%
HK$73,582
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,796/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,618 · Scale 2, in force from 26 Feb 2026)