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$33,101
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$1,046/mo
Today · 4.125%
HK$35,177
baseline
▲ 0.50% · 4.625%
HK$37,318
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,354/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,825
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,002/mo
Today · 4.125%
HK$38,815
baseline
▲ 0.50% · 4.625%
HK$40,861
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,630/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,722
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,256/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,568/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,190
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,202/mo
Today · 4.125%
HK$46,577
baseline
▲ 0.50% · 4.625%
HK$49,033
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,154/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,465/mo
Today · 4.125%
HK$49,248
baseline
▲ 0.50% · 4.625%
HK$52,245
+HK$2,997/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,496/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,555
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,938
−HK$1,402/mo
Today · 4.125%
HK$54,340
baseline
▲ 0.50% · 4.625%
HK$57,205
+HK$2,865/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,680/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,583
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,436
−HK$1,883/mo
Today · 4.125%
HK$63,319
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,638/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,285
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,063
−HK$1,803/mo
Today · 4.125%
HK$69,866
baseline
▲ 0.50% · 4.625%
HK$73,549
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,732/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,370 · Scale 2, in force from 26 Feb 2026)