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$33,120
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$1,046/mo
Today · 4.125%
HK$35,196
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,392/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,845
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,833
−HK$1,003/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,980
−HK$1,256/mo
Today · 4.125%
HK$42,236
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,472/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,203/mo
Today · 4.125%
HK$46,603
baseline
▲ 0.50% · 4.625%
HK$49,060
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,206/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,367
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,810
−HK$1,465/mo
Today · 4.125%
HK$49,275
baseline
▲ 0.50% · 4.625%
HK$52,273
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,550/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,583
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,967
−HK$1,403/mo
Today · 4.125%
HK$54,370
baseline
▲ 0.50% · 4.625%
HK$57,236
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,740/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,615
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,884/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$67,209
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,321
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$1,805/mo
Today · 4.125%
HK$69,905
baseline
▲ 0.50% · 4.625%
HK$73,589
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,810/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,670 · Scale 2, in force from 26 Feb 2026)