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$34,342
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$1,086/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,716
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,205
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,039/mo
Today · 4.125%
HK$40,269
baseline
▲ 0.50% · 4.625%
HK$42,392
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,538/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,210
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,303/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,460
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,846
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,247/mo
Today · 4.125%
HK$48,323
baseline
▲ 0.50% · 4.625%
HK$50,870
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,646/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,520/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$54,203
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,922
−HK$1,455/mo
Today · 4.125%
HK$56,377
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,754/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,739
−HK$1,953/mo
Today · 4.125%
HK$65,692
baseline
▲ 0.50% · 4.625%
HK$69,689
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,384/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,769
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,614
−HK$1,871/mo
Today · 4.125%
HK$72,485
baseline
▲ 0.50% · 4.625%
HK$76,306
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,970/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,774 · Scale 2, in force from 26 Feb 2026)