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$2,078/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$1,047/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,852
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,003/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,987
−HK$1,256/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,814
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,222
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,408
−HK$1,203/mo
Today · 4.125%
HK$46,611
baseline
▲ 0.50% · 4.625%
HK$49,068
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,222/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,375
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,818
−HK$1,466/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,592
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,976
−HK$1,404/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,246
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,480
−HK$1,885/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,333
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,112
−HK$1,805/mo
Today · 4.125%
HK$69,917
baseline
▲ 0.50% · 4.625%
HK$73,602
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,834/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,764 · Scale 2, in force from 26 Feb 2026)