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$33,132
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$1,047/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,352
+HK$2,143/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,847
−HK$1,003/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,048/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,256/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,417
−HK$1,203/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,077
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,384
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,827
−HK$1,466/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$52,292
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,602
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,986
−HK$1,404/mo
Today · 4.125%
HK$54,390
baseline
▲ 0.50% · 4.625%
HK$57,257
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,780/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,637
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,492
−HK$1,885/mo
Today · 4.125%
HK$63,377
baseline
▲ 0.50% · 4.625%
HK$67,233
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,754/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,346
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,125
−HK$1,805/mo
Today · 4.125%
HK$69,930
baseline
▲ 0.50% · 4.625%
HK$73,616
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,860/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,868 · Scale 2, in force from 26 Feb 2026)