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$34,355
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,424
−HK$1,085/mo
Today · 4.125%
HK$36,509
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,018/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,220
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,039/mo
Today · 4.125%
HK$40,284
baseline
▲ 0.50% · 4.625%
HK$42,408
+HK$2,124/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,568/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,303/mo
Today · 4.125%
HK$43,811
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,622/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,248/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,097
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,593
−HK$1,520/mo
Today · 4.125%
HK$51,113
baseline
▲ 0.50% · 4.625%
HK$54,223
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,226/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,507
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,456/mo
Today · 4.125%
HK$56,398
baseline
▲ 0.50% · 4.625%
HK$59,371
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,796/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,839
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,762
−HK$1,955/mo
Today · 4.125%
HK$65,717
baseline
▲ 0.50% · 4.625%
HK$69,715
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,434/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,795
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,640
−HK$1,872/mo
Today · 4.125%
HK$72,512
baseline
▲ 0.50% · 4.625%
HK$76,334
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,024/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,985 · Scale 2, in force from 26 Feb 2026)