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$34,295
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$1,084/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,664
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,039/mo
Today · 4.125%
HK$40,215
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,430/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,300/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,396
+HK$2,661/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,784
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,012
−HK$1,245/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$50,801
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,517/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,415
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,453/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,732
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,652
−HK$1,951/mo
Today · 4.125%
HK$65,603
baseline
▲ 0.50% · 4.625%
HK$69,594
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,206/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,676
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,518
−HK$1,868/mo
Today · 4.125%
HK$72,386
baseline
▲ 0.50% · 4.625%
HK$76,202
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,772/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,005 · Scale 2, in force from 26 Feb 2026)