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$34,332
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$1,085/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,039/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,379
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,302/mo
Today · 4.125%
HK$43,781
baseline
▲ 0.50% · 4.625%
HK$46,445
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,562/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,832
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,246/mo
Today · 4.125%
HK$48,308
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,616/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,519/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,455/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,797
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,719
−HK$1,953/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,668
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,748
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,592
−HK$1,871/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,282
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,602 · Scale 2, in force from 26 Feb 2026)