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$34,352
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$1,086/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,216
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,040/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,404
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,222
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,504
−HK$1,303/mo
Today · 4.125%
HK$43,807
baseline
▲ 0.50% · 4.625%
HK$46,473
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,614/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,859
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,248/mo
Today · 4.125%
HK$48,337
baseline
▲ 0.50% · 4.625%
HK$50,885
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,674/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,589
−HK$1,519/mo
Today · 4.125%
HK$51,108
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,216/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,502
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,456/mo
Today · 4.125%
HK$56,393
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,786/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,833
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,757
−HK$1,954/mo
Today · 4.125%
HK$65,711
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,422/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,789
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,634
−HK$1,871/mo
Today · 4.125%
HK$72,505
baseline
▲ 0.50% · 4.625%
HK$76,327
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,010/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,934 · Scale 2, in force from 26 Feb 2026)