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$33,129
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,159
−HK$1,047/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$2,143/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,003/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$40,894
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,755
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,257/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,818
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,203/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,073
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,381
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,823
−HK$1,466/mo
Today · 4.125%
HK$49,289
baseline
▲ 0.50% · 4.625%
HK$52,288
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,578/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,598
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,982
−HK$1,404/mo
Today · 4.125%
HK$54,386
baseline
▲ 0.50% · 4.625%
HK$57,252
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,772/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,632
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,885/mo
Today · 4.125%
HK$63,372
baseline
▲ 0.50% · 4.625%
HK$67,228
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,744/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,340
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,119
−HK$1,805/mo
Today · 4.125%
HK$69,924
baseline
▲ 0.50% · 4.625%
HK$73,610
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,848/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,823 · Scale 2, in force from 26 Feb 2026)