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$33,118
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,148
−HK$1,047/mo
Today · 4.125%
HK$35,195
baseline
▲ 0.50% · 4.625%
HK$37,337
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,390/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,844
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,832
−HK$1,002/mo
Today · 4.125%
HK$38,834
baseline
▲ 0.50% · 4.625%
HK$40,881
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,668/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,978
−HK$1,256/mo
Today · 4.125%
HK$42,234
baseline
▲ 0.50% · 4.625%
HK$44,804
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,468/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,212
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,203/mo
Today · 4.125%
HK$46,601
baseline
▲ 0.50% · 4.625%
HK$49,058
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,202/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,808
−HK$1,465/mo
Today · 4.125%
HK$49,273
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,546/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,581
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,965
−HK$1,403/mo
Today · 4.125%
HK$54,368
baseline
▲ 0.50% · 4.625%
HK$57,234
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,736/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,613
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,884/mo
Today · 4.125%
HK$63,351
baseline
▲ 0.50% · 4.625%
HK$67,206
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,702/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,319
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,097
−HK$1,805/mo
Today · 4.125%
HK$69,902
baseline
▲ 0.50% · 4.625%
HK$73,586
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,804/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,647 · Scale 2, in force from 26 Feb 2026)