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$34,265
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,331
−HK$1,083/mo
Today · 4.125%
HK$36,414
baseline
▲ 0.50% · 4.625%
HK$38,630
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,828/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,120
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,142
−HK$1,037/mo
Today · 4.125%
HK$40,179
baseline
▲ 0.50% · 4.625%
HK$42,297
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,358/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,118
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,397
−HK$1,300/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,356
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,244/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$50,757
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,971
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,516/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,452/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,216
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,677
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,596
−HK$1,949/mo
Today · 4.125%
HK$65,545
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,090/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,616
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,456
−HK$1,867/mo
Today · 4.125%
HK$72,323
baseline
▲ 0.50% · 4.625%
HK$76,135
+HK$3,812/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,646/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,510 · Scale 2, in force from 26 Feb 2026)