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$34,346
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$1,085/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,720
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,234
−HK$1,040/mo
Today · 4.125%
HK$40,274
baseline
▲ 0.50% · 4.625%
HK$42,396
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,548/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,302/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,464
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,247/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,548/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,084
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,580
−HK$1,519/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,493
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,928
−HK$1,455/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,822
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,745
−HK$1,954/mo
Today · 4.125%
HK$65,699
baseline
▲ 0.50% · 4.625%
HK$69,697
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,398/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,777
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,621
−HK$1,871/mo
Today · 4.125%
HK$72,492
baseline
▲ 0.50% · 4.625%
HK$76,314
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,984/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,833 · Scale 2, in force from 26 Feb 2026)