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$34,346
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$1,085/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,721
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,039/mo
Today · 4.125%
HK$40,274
baseline
▲ 0.50% · 4.625%
HK$42,397
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,548/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,216
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,302/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,465
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,600/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,247/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$50,877
+HK$2,548/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,085
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,581
−HK$1,519/mo
Today · 4.125%
HK$51,100
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,200/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,494
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,929
−HK$1,455/mo
Today · 4.125%
HK$56,384
baseline
▲ 0.50% · 4.625%
HK$59,356
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,768/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,823
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,746
−HK$1,954/mo
Today · 4.125%
HK$65,700
baseline
▲ 0.50% · 4.625%
HK$69,698
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,400/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,778
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,622
−HK$1,872/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,315
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,843 · Scale 2, in force from 26 Feb 2026)