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$34,352
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,421
−HK$1,086/mo
Today · 4.125%
HK$36,507
baseline
▲ 0.50% · 4.625%
HK$38,728
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,014/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,217
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,242
−HK$1,039/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,405
+HK$2,124/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,505
−HK$1,303/mo
Today · 4.125%
HK$43,808
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,616/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,860
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,090
−HK$1,248/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,589
−HK$1,520/mo
Today · 4.125%
HK$51,109
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,218/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,503
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,938
−HK$1,456/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,367
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,758
−HK$1,954/mo
Today · 4.125%
HK$65,712
baseline
▲ 0.50% · 4.625%
HK$69,710
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,424/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,790
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,635
−HK$1,872/mo
Today · 4.125%
HK$72,507
baseline
▲ 0.50% · 4.625%
HK$76,328
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,014/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,943 · Scale 2, in force from 26 Feb 2026)