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$33,114
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$1,047/mo
Today · 4.125%
HK$35,191
baseline
▲ 0.50% · 4.625%
HK$37,332
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,382/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,839
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,002/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,737
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,256/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,799
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,203/mo
Today · 4.125%
HK$46,596
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,192/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,360
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,465/mo
Today · 4.125%
HK$49,267
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,534/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,575
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,959
−HK$1,403/mo
Today · 4.125%
HK$54,362
baseline
▲ 0.50% · 4.625%
HK$57,227
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,724/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,606
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,460
−HK$1,884/mo
Today · 4.125%
HK$63,344
baseline
▲ 0.50% · 4.625%
HK$67,198
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,688/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,311
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,090
−HK$1,804/mo
Today · 4.125%
HK$69,894
baseline
▲ 0.50% · 4.625%
HK$73,578
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,788/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,585 · Scale 2, in force from 26 Feb 2026)