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$34,331
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,399
−HK$1,085/mo
Today · 4.125%
HK$36,484
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,968/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,193
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,217
−HK$1,039/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,378
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,512/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,197
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,302/mo
Today · 4.125%
HK$43,781
baseline
▲ 0.50% · 4.625%
HK$46,445
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,562/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,832
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,061
−HK$1,247/mo
Today · 4.125%
HK$48,308
baseline
▲ 0.50% · 4.625%
HK$50,854
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,616/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,519/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$54,185
+HK$3,107/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,470
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,455/mo
Today · 4.125%
HK$56,359
baseline
▲ 0.50% · 4.625%
HK$59,330
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,718/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,796
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,718
−HK$1,953/mo
Today · 4.125%
HK$65,671
baseline
▲ 0.50% · 4.625%
HK$69,667
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,342/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,747
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,591
−HK$1,871/mo
Today · 4.125%
HK$72,462
baseline
▲ 0.50% · 4.625%
HK$76,281
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,924/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,593 · Scale 2, in force from 26 Feb 2026)