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$33,104
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$1,046/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,828
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,002/mo
Today · 4.125%
HK$38,818
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,636/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,725
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,256/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,202/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,346
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,787
−HK$1,465/mo
Today · 4.125%
HK$49,252
baseline
▲ 0.50% · 4.625%
HK$52,249
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,504/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,559
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,942
−HK$1,403/mo
Today · 4.125%
HK$54,345
baseline
▲ 0.50% · 4.625%
HK$57,209
+HK$2,864/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,690/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,587
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,441
−HK$1,883/mo
Today · 4.125%
HK$63,324
baseline
▲ 0.50% · 4.625%
HK$67,177
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,648/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,290
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,068
−HK$1,804/mo
Today · 4.125%
HK$69,872
baseline
▲ 0.50% · 4.625%
HK$73,555
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,744/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,412 · Scale 2, in force from 26 Feb 2026)