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$33,089
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$1,046/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$2,139/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,002/mo
Today · 4.125%
HK$38,800
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,045/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,600/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,707
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,254/mo
Today · 4.125%
HK$42,196
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,568/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,392/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,202/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,014
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,324
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,765
−HK$1,464/mo
Today · 4.125%
HK$49,229
baseline
▲ 0.50% · 4.625%
HK$52,225
+HK$2,996/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,458/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,535
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,403/mo
Today · 4.125%
HK$54,320
baseline
▲ 0.50% · 4.625%
HK$57,183
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,640/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,560
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,412
−HK$1,883/mo
Today · 4.125%
HK$63,295
baseline
▲ 0.50% · 4.625%
HK$67,146
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,590/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,260
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,037
−HK$1,802/mo
Today · 4.125%
HK$69,839
baseline
▲ 0.50% · 4.625%
HK$73,521
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,678/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,162 · Scale 2, in force from 26 Feb 2026)