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$34,273
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,083/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,151
−HK$1,037/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,307
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,300/mo
Today · 4.125%
HK$43,707
baseline
▲ 0.50% · 4.625%
HK$46,366
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,414/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,245/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,982
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,475
−HK$1,516/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$54,094
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,380
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,811
−HK$1,452/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,691
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,610
−HK$1,950/mo
Today · 4.125%
HK$65,560
baseline
▲ 0.50% · 4.625%
HK$69,549
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,120/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,631
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,472
−HK$1,867/mo
Today · 4.125%
HK$72,339
baseline
▲ 0.50% · 4.625%
HK$76,152
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,678/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,636 · Scale 2, in force from 26 Feb 2026)