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$34,267
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,333
−HK$1,083/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,631
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,121
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,037/mo
Today · 4.125%
HK$40,181
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,362/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,120
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,300/mo
Today · 4.125%
HK$43,699
baseline
▲ 0.50% · 4.625%
HK$46,358
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,398/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,746
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,244/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$50,759
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,974
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,466
−HK$1,516/mo
Today · 4.125%
HK$50,982
baseline
▲ 0.50% · 4.625%
HK$54,084
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,964/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,370
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,801
−HK$1,452/mo
Today · 4.125%
HK$56,253
baseline
▲ 0.50% · 4.625%
HK$59,219
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,506/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,680
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,599
−HK$1,949/mo
Today · 4.125%
HK$65,548
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,096/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,619
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,459
−HK$1,867/mo
Today · 4.125%
HK$72,326
baseline
▲ 0.50% · 4.625%
HK$76,138
+HK$3,812/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,652/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,536 · Scale 2, in force from 26 Feb 2026)