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$34,295
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$1,083/mo
Today · 4.125%
HK$36,445
baseline
▲ 0.50% · 4.625%
HK$38,663
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,890/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,153
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,038/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,334
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,434
−HK$1,300/mo
Today · 4.125%
HK$43,734
baseline
▲ 0.50% · 4.625%
HK$46,396
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,468/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,783
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,011
−HK$1,246/mo
Today · 4.125%
HK$48,257
baseline
▲ 0.50% · 4.625%
HK$50,800
+HK$2,543/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,514/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,517/mo
Today · 4.125%
HK$51,023
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,046/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,414
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,453/mo
Today · 4.125%
HK$56,299
baseline
▲ 0.50% · 4.625%
HK$59,267
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,598/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,731
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,651
−HK$1,951/mo
Today · 4.125%
HK$65,602
baseline
▲ 0.50% · 4.625%
HK$69,593
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,204/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,675
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,516
−HK$1,869/mo
Today · 4.125%
HK$72,385
baseline
▲ 0.50% · 4.625%
HK$76,200
+HK$3,815/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,770/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,995 · Scale 2, in force from 26 Feb 2026)