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$33,116
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,146
−HK$1,047/mo
Today · 4.125%
HK$35,193
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,386/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,841
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,003/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$40,878
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,739
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,975
−HK$1,256/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,801
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,395
−HK$1,203/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,054
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,362
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,804
−HK$1,466/mo
Today · 4.125%
HK$49,270
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,540/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,578
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,961
−HK$1,403/mo
Today · 4.125%
HK$54,364
baseline
▲ 0.50% · 4.625%
HK$57,230
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,728/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,609
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,884/mo
Today · 4.125%
HK$63,347
baseline
▲ 0.50% · 4.625%
HK$67,201
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,694/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,314
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,093
−HK$1,804/mo
Today · 4.125%
HK$69,897
baseline
▲ 0.50% · 4.625%
HK$73,581
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,794/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,610 · Scale 2, in force from 26 Feb 2026)