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$34,330
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$1,085/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,703
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,192
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,216
−HK$1,040/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,377
+HK$2,121/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$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,478
−HK$1,302/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,444
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,831
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,247/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,062
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,519/mo
Today · 4.125%
HK$51,076
baseline
▲ 0.50% · 4.625%
HK$54,184
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,152/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,469
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,903
−HK$1,455/mo
Today · 4.125%
HK$56,358
baseline
▲ 0.50% · 4.625%
HK$59,328
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,716/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,795
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,717
−HK$1,953/mo
Today · 4.125%
HK$65,670
baseline
▲ 0.50% · 4.625%
HK$69,665
+HK$3,995/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,340/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,746
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,590
−HK$1,870/mo
Today · 4.125%
HK$72,460
baseline
▲ 0.50% · 4.625%
HK$76,279
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,920/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,580 · Scale 2, in force from 26 Feb 2026)