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$34,341
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$1,086/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,204
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,229
−HK$1,039/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,391
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,209
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,491
−HK$1,302/mo
Today · 4.125%
HK$43,793
baseline
▲ 0.50% · 4.625%
HK$46,458
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,586/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,845
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,248/mo
Today · 4.125%
HK$48,322
baseline
▲ 0.50% · 4.625%
HK$50,869
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,644/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,077
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,573
−HK$1,519/mo
Today · 4.125%
HK$51,092
baseline
▲ 0.50% · 4.625%
HK$54,201
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,184/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,486
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,920
−HK$1,455/mo
Today · 4.125%
HK$56,375
baseline
▲ 0.50% · 4.625%
HK$59,347
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,750/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,814
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,953/mo
Today · 4.125%
HK$65,690
baseline
▲ 0.50% · 4.625%
HK$69,687
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,380/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,767
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,612
−HK$1,871/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,303
+HK$3,820/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,757 · Scale 2, in force from 26 Feb 2026)