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$2,077/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$1,047/mo
Today · 4.125%
HK$35,187
baseline
▲ 0.50% · 4.625%
HK$37,328
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,374/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,835
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,823
−HK$1,002/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,256/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,203/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,465/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$52,259
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,569
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,952
−HK$1,403/mo
Today · 4.125%
HK$54,355
baseline
▲ 0.50% · 4.625%
HK$57,220
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,710/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,453
−HK$1,883/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$67,190
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,303
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,081
−HK$1,804/mo
Today · 4.125%
HK$69,885
baseline
▲ 0.50% · 4.625%
HK$73,569
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,770/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,518 · Scale 2, in force from 26 Feb 2026)