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$34,307
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$1,084/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,677
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,190
−HK$1,039/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,349
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,450
−HK$1,301/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,800
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,246/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$50,819
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,524
−HK$1,518/mo
Today · 4.125%
HK$51,042
baseline
▲ 0.50% · 4.625%
HK$54,148
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,084/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,433
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,866
−HK$1,454/mo
Today · 4.125%
HK$56,320
baseline
▲ 0.50% · 4.625%
HK$59,289
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,640/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,753
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,674
−HK$1,952/mo
Today · 4.125%
HK$65,626
baseline
▲ 0.50% · 4.625%
HK$69,619
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,252/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,700
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,543
−HK$1,869/mo
Today · 4.125%
HK$72,412
baseline
▲ 0.50% · 4.625%
HK$76,229
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,824/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,205 · Scale 2, in force from 26 Feb 2026)