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$33,087
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$1,045/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,301
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,001/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,045/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,255/mo
Today · 4.125%
HK$42,194
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,388/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,170
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,355
−HK$1,202/mo
Today · 4.125%
HK$46,557
baseline
▲ 0.50% · 4.625%
HK$49,011
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,114/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,321
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,762
−HK$1,464/mo
Today · 4.125%
HK$49,226
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,452/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,532
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,914
−HK$1,402/mo
Today · 4.125%
HK$54,316
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$2,863/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,632/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,556
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,883/mo
Today · 4.125%
HK$63,291
baseline
▲ 0.50% · 4.625%
HK$67,142
+HK$3,851/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,582/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,255
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,032
−HK$1,803/mo
Today · 4.125%
HK$69,835
baseline
▲ 0.50% · 4.625%
HK$73,516
+HK$3,681/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,670/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,127 · Scale 2, in force from 26 Feb 2026)