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$33,110
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$1,046/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,834
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,822
−HK$1,002/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$40,871
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,255/mo
Today · 4.125%
HK$42,223
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,446/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,201
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,202/mo
Today · 4.125%
HK$46,589
baseline
▲ 0.50% · 4.625%
HK$49,045
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,178/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,464/mo
Today · 4.125%
HK$49,260
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,520/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,568
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,951
−HK$1,403/mo
Today · 4.125%
HK$54,354
baseline
▲ 0.50% · 4.625%
HK$57,219
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,708/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,598
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,451
−HK$1,884/mo
Today · 4.125%
HK$63,335
baseline
▲ 0.50% · 4.625%
HK$67,189
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,670/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,302
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,080
−HK$1,804/mo
Today · 4.125%
HK$69,884
baseline
▲ 0.50% · 4.625%
HK$73,567
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,768/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,508 · Scale 2, in force from 26 Feb 2026)