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$33,113
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,143
−HK$1,047/mo
Today · 4.125%
HK$35,190
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,380/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,838
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,002/mo
Today · 4.125%
HK$38,828
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,656/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,736
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,255/mo
Today · 4.125%
HK$42,227
baseline
▲ 0.50% · 4.625%
HK$44,797
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,454/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,206
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,203/mo
Today · 4.125%
HK$46,594
baseline
▲ 0.50% · 4.625%
HK$49,050
+HK$2,456/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,188/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,800
−HK$1,465/mo
Today · 4.125%
HK$49,265
baseline
▲ 0.50% · 4.625%
HK$52,263
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,530/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,573
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,956
−HK$1,403/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,225
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,883/mo
Today · 4.125%
HK$63,341
baseline
▲ 0.50% · 4.625%
HK$67,195
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,682/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,308
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$1,804/mo
Today · 4.125%
HK$69,891
baseline
▲ 0.50% · 4.625%
HK$73,575
+HK$3,684/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,782/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,562 · Scale 2, in force from 26 Feb 2026)