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$34,340
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$1,085/mo
Today · 4.125%
HK$36,493
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,986/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,202
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,227
−HK$1,039/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,389
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,207
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,303/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,843
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,072
−HK$1,248/mo
Today · 4.125%
HK$48,320
baseline
▲ 0.50% · 4.625%
HK$50,867
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,640/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,075
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,571
−HK$1,519/mo
Today · 4.125%
HK$51,090
baseline
▲ 0.50% · 4.625%
HK$54,199
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,180/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,483
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,918
−HK$1,455/mo
Today · 4.125%
HK$56,373
baseline
▲ 0.50% · 4.625%
HK$59,344
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,746/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,811
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,734
−HK$1,953/mo
Today · 4.125%
HK$65,687
baseline
▲ 0.50% · 4.625%
HK$69,684
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,374/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,764
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,609
−HK$1,870/mo
Today · 4.125%
HK$72,479
baseline
▲ 0.50% · 4.625%
HK$76,300
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,958/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,732 · Scale 2, in force from 26 Feb 2026)