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$34,334
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$1,085/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,039/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,382
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,201
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,302/mo
Today · 4.125%
HK$43,785
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,570/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,836
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,065
−HK$1,247/mo
Today · 4.125%
HK$48,312
baseline
▲ 0.50% · 4.625%
HK$50,859
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,624/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,519/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,475
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,909
−HK$1,455/mo
Today · 4.125%
HK$56,364
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,728/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,802
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,724
−HK$1,953/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,673
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,754
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,598
−HK$1,870/mo
Today · 4.125%
HK$72,468
baseline
▲ 0.50% · 4.625%
HK$76,288
+HK$3,820/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,936/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,644 · Scale 2, in force from 26 Feb 2026)