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$34,344
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,413
−HK$1,085/mo
Today · 4.125%
HK$36,498
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,996/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,208
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,039/mo
Today · 4.125%
HK$40,272
baseline
▲ 0.50% · 4.625%
HK$42,395
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,544/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,303/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,849
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,248/mo
Today · 4.125%
HK$48,327
baseline
▲ 0.50% · 4.625%
HK$50,874
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,654/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,082
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,519/mo
Today · 4.125%
HK$51,097
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,194/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,491
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,455/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,820
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,743
−HK$1,954/mo
Today · 4.125%
HK$65,697
baseline
▲ 0.50% · 4.625%
HK$69,694
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,394/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,774
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,619
−HK$1,871/mo
Today · 4.125%
HK$72,490
baseline
▲ 0.50% · 4.625%
HK$76,311
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,980/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,813 · Scale 2, in force from 26 Feb 2026)