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$34,319
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$1,084/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$2,219/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,180
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,204
−HK$1,038/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,364
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,183
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,301/mo
Today · 4.125%
HK$43,765
baseline
▲ 0.50% · 4.625%
HK$46,428
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,530/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,815
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,044
−HK$1,247/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$50,836
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,047
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,541
−HK$1,519/mo
Today · 4.125%
HK$51,060
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$3,106/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,120/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,451
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,885
−HK$1,454/mo
Today · 4.125%
HK$56,339
baseline
▲ 0.50% · 4.625%
HK$59,309
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,678/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,774
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,696
−HK$1,952/mo
Today · 4.125%
HK$65,648
baseline
▲ 0.50% · 4.625%
HK$69,643
+HK$3,995/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,296/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,723
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,566
−HK$1,870/mo
Today · 4.125%
HK$72,436
baseline
▲ 0.50% · 4.625%
HK$76,254
+HK$3,818/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,872/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,394 · Scale 2, in force from 26 Feb 2026)