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$34,280
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$1,084/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,136
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,159
−HK$1,037/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,315
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,136
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,301/mo
Today · 4.125%
HK$43,716
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,432/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,763
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,245/mo
Today · 4.125%
HK$48,236
baseline
▲ 0.50% · 4.625%
HK$50,778
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,472/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,516/mo
Today · 4.125%
HK$51,001
baseline
▲ 0.50% · 4.625%
HK$54,105
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,002/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,391
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,822
−HK$1,453/mo
Today · 4.125%
HK$56,275
baseline
▲ 0.50% · 4.625%
HK$59,241
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,550/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,704
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,950/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$1,868/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,167
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,752 · Scale 2, in force from 26 Feb 2026)