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$34,270
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$1,083/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,037/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,300/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,245/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,516/mo
Today · 4.125%
HK$50,987
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,974/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,375
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,807
−HK$1,452/mo
Today · 4.125%
HK$56,259
baseline
▲ 0.50% · 4.625%
HK$59,225
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,518/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,686
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,950/mo
Today · 4.125%
HK$65,555
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,110/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,466
−HK$1,867/mo
Today · 4.125%
HK$72,333
baseline
▲ 0.50% · 4.625%
HK$76,146
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,666/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,592 · Scale 2, in force from 26 Feb 2026)