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$33,095
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$1,046/mo
Today · 4.125%
HK$35,170
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$2,140/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,340/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,818
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,002/mo
Today · 4.125%
HK$38,807
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,614/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,714
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,949
−HK$1,255/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,181
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,202/mo
Today · 4.125%
HK$46,568
baseline
▲ 0.50% · 4.625%
HK$49,023
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,136/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,333
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,465/mo
Today · 4.125%
HK$49,239
baseline
▲ 0.50% · 4.625%
HK$52,235
+HK$2,996/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,478/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,545
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,403/mo
Today · 4.125%
HK$54,330
baseline
▲ 0.50% · 4.625%
HK$57,194
+HK$2,864/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,660/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,571
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,424
−HK$1,883/mo
Today · 4.125%
HK$63,307
baseline
▲ 0.50% · 4.625%
HK$67,159
+HK$3,852/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,614/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,272
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,050
−HK$1,803/mo
Today · 4.125%
HK$69,853
baseline
▲ 0.50% · 4.625%
HK$73,535
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,706/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,265 · Scale 2, in force from 26 Feb 2026)