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$34,275
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,342
−HK$1,083/mo
Today · 4.125%
HK$36,425
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,850/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,037/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,310
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,300/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,757
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,245/mo
Today · 4.125%
HK$48,229
baseline
▲ 0.50% · 4.625%
HK$50,772
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,458/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,986
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,478
−HK$1,517/mo
Today · 4.125%
HK$50,995
baseline
▲ 0.50% · 4.625%
HK$54,098
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,990/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,383
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,815
−HK$1,453/mo
Today · 4.125%
HK$56,268
baseline
▲ 0.50% · 4.625%
HK$59,233
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,536/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,615
−HK$1,950/mo
Today · 4.125%
HK$65,565
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,130/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,636
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,477
−HK$1,867/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,157
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,677 · Scale 2, in force from 26 Feb 2026)