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$34,334
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$1,085/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,196
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,220
−HK$1,040/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,382
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,200
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,302/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,448
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,835
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,064
−HK$1,247/mo
Today · 4.125%
HK$48,311
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,622/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,067
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,562
−HK$1,519/mo
Today · 4.125%
HK$51,081
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,162/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,474
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,908
−HK$1,455/mo
Today · 4.125%
HK$56,363
baseline
▲ 0.50% · 4.625%
HK$59,334
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,726/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,801
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,723
−HK$1,953/mo
Today · 4.125%
HK$65,676
baseline
▲ 0.50% · 4.625%
HK$69,672
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,352/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,753
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,597
−HK$1,870/mo
Today · 4.125%
HK$72,467
baseline
▲ 0.50% · 4.625%
HK$76,287
+HK$3,820/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,934/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,636 · Scale 2, in force from 26 Feb 2026)