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$34,336
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$1,085/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,710
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,199
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,040/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,385
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,302/mo
Today · 4.125%
HK$43,787
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,665/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,574/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,068
−HK$1,247/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,071
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,519/mo
Today · 4.125%
HK$51,085
baseline
▲ 0.50% · 4.625%
HK$54,194
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,170/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,478
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,913
−HK$1,455/mo
Today · 4.125%
HK$56,368
baseline
▲ 0.50% · 4.625%
HK$59,339
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,736/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,805
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,728
−HK$1,953/mo
Today · 4.125%
HK$65,681
baseline
▲ 0.50% · 4.625%
HK$69,678
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,362/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,758
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,602
−HK$1,871/mo
Today · 4.125%
HK$72,473
baseline
▲ 0.50% · 4.625%
HK$76,293
+HK$3,820/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,946/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,679 · Scale 2, in force from 26 Feb 2026)