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$34,349
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$1,085/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,040/mo
Today · 4.125%
HK$40,278
baseline
▲ 0.50% · 4.625%
HK$42,401
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,556/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,303/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,469
+HK$2,665/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,248/mo
Today · 4.125%
HK$48,333
baseline
▲ 0.50% · 4.625%
HK$50,881
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,666/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,089
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,585
−HK$1,519/mo
Today · 4.125%
HK$51,104
baseline
▲ 0.50% · 4.625%
HK$54,214
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,208/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,456/mo
Today · 4.125%
HK$56,389
baseline
▲ 0.50% · 4.625%
HK$59,361
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,778/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,828
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,954/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,704
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,783
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,628
−HK$1,872/mo
Today · 4.125%
HK$72,500
baseline
▲ 0.50% · 4.625%
HK$76,321
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,000/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,889 · Scale 2, in force from 26 Feb 2026)