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$34,324
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$1,085/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$2,219/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,186
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,210
−HK$1,039/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,370
+HK$2,121/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,189
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,301/mo
Today · 4.125%
HK$43,772
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,544/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,246/mo
Today · 4.125%
HK$48,298
baseline
▲ 0.50% · 4.625%
HK$50,844
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,596/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,054
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,549
−HK$1,519/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$54,175
+HK$3,107/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,460
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,894
−HK$1,454/mo
Today · 4.125%
HK$56,348
baseline
▲ 0.50% · 4.625%
HK$59,318
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,696/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,784
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,952/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,654
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,734
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,578
−HK$1,870/mo
Today · 4.125%
HK$72,448
baseline
▲ 0.50% · 4.625%
HK$76,266
+HK$3,818/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,896/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,485 · Scale 2, in force from 26 Feb 2026)