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$34,345
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$1,085/mo
Today · 4.125%
HK$36,499
baseline
▲ 0.50% · 4.625%
HK$38,720
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,998/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,040/mo
Today · 4.125%
HK$40,273
baseline
▲ 0.50% · 4.625%
HK$42,396
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,546/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,214
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,496
−HK$1,303/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,464
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,080
−HK$1,248/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$50,875
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,083
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,579
−HK$1,520/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$54,208
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,492
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,927
−HK$1,455/mo
Today · 4.125%
HK$56,382
baseline
▲ 0.50% · 4.625%
HK$59,354
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,764/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,821
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,744
−HK$1,954/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,696
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,776
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,620
−HK$1,871/mo
Today · 4.125%
HK$72,491
baseline
▲ 0.50% · 4.625%
HK$76,313
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$144,982/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,826 · Scale 2, in force from 26 Feb 2026)