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$33,121
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,152
−HK$1,046/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,847
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,835
−HK$1,003/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$40,885
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,746
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,982
−HK$1,256/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,203/mo
Today · 4.125%
HK$46,605
baseline
▲ 0.50% · 4.625%
HK$49,062
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,210/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,370
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,466/mo
Today · 4.125%
HK$49,278
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,556/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,970
−HK$1,403/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,618
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,473
−HK$1,884/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,325
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,104
−HK$1,804/mo
Today · 4.125%
HK$69,908
baseline
▲ 0.50% · 4.625%
HK$73,593
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,816/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,698 · Scale 2, in force from 26 Feb 2026)