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$33,096
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$1,046/mo
Today · 4.125%
HK$35,171
baseline
▲ 0.50% · 4.625%
HK$37,311
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,342/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,819
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,002/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,045/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,715
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,255/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,202/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,464/mo
Today · 4.125%
HK$49,239
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,997/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,478/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,546
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,928
−HK$1,403/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$2,864/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,572
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,883/mo
Today · 4.125%
HK$63,308
baseline
▲ 0.50% · 4.625%
HK$67,160
+HK$3,852/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,616/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,273
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,051
−HK$1,803/mo
Today · 4.125%
HK$69,854
baseline
▲ 0.50% · 4.625%
HK$73,536
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,708/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,275 · Scale 2, in force from 26 Feb 2026)