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$34,348
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,416
−HK$1,086/mo
Today · 4.125%
HK$36,502
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,004/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,212
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,236
−HK$1,040/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,399
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,217
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,499
−HK$1,303/mo
Today · 4.125%
HK$43,802
baseline
▲ 0.50% · 4.625%
HK$46,467
+HK$2,665/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,604/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,854
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,084
−HK$1,247/mo
Today · 4.125%
HK$48,331
baseline
▲ 0.50% · 4.625%
HK$50,879
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,662/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,519/mo
Today · 4.125%
HK$51,102
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,204/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,496
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,455/mo
Today · 4.125%
HK$56,386
baseline
▲ 0.50% · 4.625%
HK$59,359
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,772/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,826
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,749
−HK$1,954/mo
Today · 4.125%
HK$65,703
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,406/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,781
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,625
−HK$1,872/mo
Today · 4.125%
HK$72,497
baseline
▲ 0.50% · 4.625%
HK$76,318
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,994/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,868 · Scale 2, in force from 26 Feb 2026)