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$34,326
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$1,085/mo
Today · 4.125%
HK$36,479
baseline
▲ 0.50% · 4.625%
HK$38,698
+HK$2,219/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$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,187
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,211
−HK$1,039/mo
Today · 4.125%
HK$40,250
baseline
▲ 0.50% · 4.625%
HK$42,372
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,500/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,191
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,302/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,438
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,825
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,054
−HK$1,247/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$50,847
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,056
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,551
−HK$1,519/mo
Today · 4.125%
HK$51,070
baseline
▲ 0.50% · 4.625%
HK$54,177
+HK$3,107/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,140/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,462
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,896
−HK$1,455/mo
Today · 4.125%
HK$56,351
baseline
▲ 0.50% · 4.625%
HK$59,321
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,702/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,787
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,952/mo
Today · 4.125%
HK$65,661
baseline
▲ 0.50% · 4.625%
HK$69,657
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,322/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,737
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,581
−HK$1,870/mo
Today · 4.125%
HK$72,451
baseline
▲ 0.50% · 4.625%
HK$76,270
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,902/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,509 · Scale 2, in force from 26 Feb 2026)