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$33,103
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$1,046/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,002/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$40,863
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,255/mo
Today · 4.125%
HK$42,215
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,430/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,202/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,035
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,345
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,465/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$52,248
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,941
−HK$1,402/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,586
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,439
−HK$1,884/mo
Today · 4.125%
HK$63,323
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,646/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,289
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,067
−HK$1,803/mo
Today · 4.125%
HK$69,870
baseline
▲ 0.50% · 4.625%
HK$73,553
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,740/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,401 · Scale 2, in force from 26 Feb 2026)