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$34,323
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$1,084/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,039/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,368
+HK$2,121/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,187
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,301/mo
Today · 4.125%
HK$43,770
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,540/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,246/mo
Today · 4.125%
HK$48,296
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,592/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,547
−HK$1,518/mo
Today · 4.125%
HK$51,065
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,130/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,457
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,455/mo
Today · 4.125%
HK$56,346
baseline
▲ 0.50% · 4.625%
HK$59,316
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,692/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,781
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,703
−HK$1,952/mo
Today · 4.125%
HK$65,655
baseline
▲ 0.50% · 4.625%
HK$69,650
+HK$3,995/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,310/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,574
−HK$1,870/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,263
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,458 · Scale 2, in force from 26 Feb 2026)