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$33,108
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$1,046/mo
Today · 4.125%
HK$35,184
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$2,141/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,368/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,002/mo
Today · 4.125%
HK$38,822
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,046/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,644/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,729
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,256/mo
Today · 4.125%
HK$42,221
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,569/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$84,442/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,384
−HK$1,203/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,042
+HK$2,455/mo
Deposit HK$5.81M · loan HK$8.71M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,351
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,465/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$52,255
+HK$2,997/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,565
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,948
−HK$1,403/mo
Today · 4.125%
HK$54,351
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$2,865/mo
Deposit HK$4.36M · loan HK$10.16M · min. income ≈ HK$108,702/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,594
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,883/mo
Today · 4.125%
HK$63,331
baseline
▲ 0.50% · 4.625%
HK$67,185
+HK$3,854/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,662/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,298
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$68,076
−HK$1,804/mo
Today · 4.125%
HK$69,880
baseline
▲ 0.50% · 4.625%
HK$73,563
+HK$3,683/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,760/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,477 · Scale 2, in force from 26 Feb 2026)