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$34,347
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$1,086/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,721
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,210
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,235
−HK$1,040/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,398
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,216
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,303/mo
Today · 4.125%
HK$43,801
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,665/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,602/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,248/mo
Today · 4.125%
HK$48,330
baseline
▲ 0.50% · 4.625%
HK$50,877
+HK$2,547/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,660/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,085
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,581
−HK$1,520/mo
Today · 4.125%
HK$51,101
baseline
▲ 0.50% · 4.625%
HK$54,210
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,202/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,494
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,929
−HK$1,456/mo
Today · 4.125%
HK$56,385
baseline
▲ 0.50% · 4.625%
HK$59,357
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,770/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,824
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,747
−HK$1,954/mo
Today · 4.125%
HK$65,701
baseline
▲ 0.50% · 4.625%
HK$69,699
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,402/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,779
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,623
−HK$1,871/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,316
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,849 · Scale 2, in force from 26 Feb 2026)