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$33,097
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,126
−HK$1,046/mo
Today · 4.125%
HK$35,172
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,344/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,001/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$40,855
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,716
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,255/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,775
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,184
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,369
−HK$1,202/mo
Today · 4.125%
HK$46,571
baseline
▲ 0.50% · 4.625%
HK$49,026
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,142/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,777
−HK$1,464/mo
Today · 4.125%
HK$49,241
baseline
▲ 0.50% · 4.625%
HK$52,238
+HK$2,997/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,482/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,548
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,402/mo
Today · 4.125%
HK$54,333
baseline
▲ 0.50% · 4.625%
HK$57,197
+HK$2,864/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,666/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,575
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,428
−HK$1,882/mo
Today · 4.125%
HK$63,310
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,620/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,276
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,054
−HK$1,803/mo
Today · 4.125%
HK$69,857
baseline
▲ 0.50% · 4.625%
HK$73,539
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,714/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,297 · Scale 2, in force from 26 Feb 2026)