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$33,091
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,121
−HK$1,046/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,306
+HK$2,139/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,814
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,002/mo
Today · 4.125%
HK$38,803
baseline
▲ 0.50% · 4.625%
HK$40,848
+HK$2,045/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,606/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,255/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,568/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,177
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,202/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,455/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,328
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,464/mo
Today · 4.125%
HK$49,233
baseline
▲ 0.50% · 4.625%
HK$52,229
+HK$2,996/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,466/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,539
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,402/mo
Today · 4.125%
HK$54,324
baseline
▲ 0.50% · 4.625%
HK$57,187
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,648/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,417
−HK$1,883/mo
Today · 4.125%
HK$63,300
baseline
▲ 0.50% · 4.625%
HK$67,151
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,600/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,265
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,042
−HK$1,803/mo
Today · 4.125%
HK$69,845
baseline
▲ 0.50% · 4.625%
HK$73,527
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,690/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,206 · Scale 2, in force from 26 Feb 2026)