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$33,102
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$1,047/mo
Today · 4.125%
HK$35,178
baseline
▲ 0.50% · 4.625%
HK$37,318
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,356/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,825
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,002/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$40,861
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,722
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,255/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,190
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,376
−HK$1,202/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,784
−HK$1,465/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$52,245
+HK$2,996/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,556
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,938
−HK$1,403/mo
Today · 4.125%
HK$54,341
baseline
▲ 0.50% · 4.625%
HK$57,205
+HK$2,864/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,682/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,583
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,437
−HK$1,883/mo
Today · 4.125%
HK$63,320
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,852/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,640/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,286
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,063
−HK$1,804/mo
Today · 4.125%
HK$69,867
baseline
▲ 0.50% · 4.625%
HK$73,550
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,734/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,376 · Scale 2, in force from 26 Feb 2026)