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$34,329
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$1,085/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,191
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,215
−HK$1,039/mo
Today · 4.125%
HK$40,254
baseline
▲ 0.50% · 4.625%
HK$42,376
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,508/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,195
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,477
−HK$1,301/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,829
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,058
−HK$1,247/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$50,851
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,061
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,519/mo
Today · 4.125%
HK$51,075
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,150/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,901
−HK$1,455/mo
Today · 4.125%
HK$56,356
baseline
▲ 0.50% · 4.625%
HK$59,327
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,712/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,793
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,715
−HK$1,953/mo
Today · 4.125%
HK$65,668
baseline
▲ 0.50% · 4.625%
HK$69,663
+HK$3,995/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,336/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,744
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,587
−HK$1,871/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,277
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,564 · Scale 2, in force from 26 Feb 2026)