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$34,318
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$1,085/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,690
+HK$2,219/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,179
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,203
−HK$1,039/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,363
+HK$2,121/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,182
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,463
−HK$1,302/mo
Today · 4.125%
HK$43,765
baseline
▲ 0.50% · 4.625%
HK$46,428
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,530/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,815
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,043
−HK$1,247/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$50,835
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,046
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,519/mo
Today · 4.125%
HK$51,059
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$3,107/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,118/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,451
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,454/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,773
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,695
−HK$1,952/mo
Today · 4.125%
HK$65,647
baseline
▲ 0.50% · 4.625%
HK$69,641
+HK$3,994/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,294/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,722
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,565
−HK$1,870/mo
Today · 4.125%
HK$72,435
baseline
▲ 0.50% · 4.625%
HK$76,253
+HK$3,818/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,870/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,386 · Scale 2, in force from 26 Feb 2026)