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$33,125
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$1,047/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,344
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,839
−HK$1,003/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,256/mo
Today · 4.125%
HK$42,242
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,484/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,221
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,203/mo
Today · 4.125%
HK$46,610
baseline
▲ 0.50% · 4.625%
HK$49,067
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,220/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,375
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,466/mo
Today · 4.125%
HK$49,283
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,566/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,591
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,975
−HK$1,404/mo
Today · 4.125%
HK$54,379
baseline
▲ 0.50% · 4.625%
HK$57,245
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,758/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,625
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,479
−HK$1,885/mo
Today · 4.125%
HK$63,364
baseline
▲ 0.50% · 4.625%
HK$67,219
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,728/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,332
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,111
−HK$1,805/mo
Today · 4.125%
HK$69,916
baseline
▲ 0.50% · 4.625%
HK$73,601
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,832/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,756 · Scale 2, in force from 26 Feb 2026)