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$33,103
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$1,046/mo
Today · 4.125%
HK$35,178
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,356/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,826
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,002/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,255/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,783
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,377
−HK$1,202/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,034
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,465/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,557
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,402/mo
Today · 4.125%
HK$54,342
baseline
▲ 0.50% · 4.625%
HK$57,207
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,684/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,585
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,438
−HK$1,883/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$67,174
+HK$3,853/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,287
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,065
−HK$1,804/mo
Today · 4.125%
HK$69,869
baseline
▲ 0.50% · 4.625%
HK$73,552
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,738/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,390 · Scale 2, in force from 26 Feb 2026)