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$34,327
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$1,084/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,958/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,188
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,039/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,373
+HK$2,121/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,192
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,301/mo
Today · 4.125%
HK$43,775
baseline
▲ 0.50% · 4.625%
HK$46,439
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,550/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,826
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,247/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,058
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,518/mo
Today · 4.125%
HK$51,071
baseline
▲ 0.50% · 4.625%
HK$54,179
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,142/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,464
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,454/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,323
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,788
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,953/mo
Today · 4.125%
HK$65,663
baseline
▲ 0.50% · 4.625%
HK$69,659
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,326/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,739
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,583
−HK$1,870/mo
Today · 4.125%
HK$72,453
baseline
▲ 0.50% · 4.625%
HK$76,272
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,906/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,524 · Scale 2, in force from 26 Feb 2026)