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$34,292
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$1,083/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,149
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,173
−HK$1,037/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,330
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,150
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,430
−HK$1,301/mo
Today · 4.125%
HK$43,731
baseline
▲ 0.50% · 4.625%
HK$46,392
+HK$2,661/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,462/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,779
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,007
−HK$1,246/mo
Today · 4.125%
HK$48,253
baseline
▲ 0.50% · 4.625%
HK$50,796
+HK$2,543/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,506/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,009
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,517/mo
Today · 4.125%
HK$51,019
baseline
▲ 0.50% · 4.625%
HK$54,124
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,038/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,409
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,842
−HK$1,453/mo
Today · 4.125%
HK$56,295
baseline
▲ 0.50% · 4.625%
HK$59,262
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,590/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,725
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,645
−HK$1,951/mo
Today · 4.125%
HK$65,596
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,192/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,669
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,511
−HK$1,868/mo
Today · 4.125%
HK$72,379
baseline
▲ 0.50% · 4.625%
HK$76,194
+HK$3,815/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,758/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,948 · Scale 2, in force from 26 Feb 2026)