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$34,287
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$1,083/mo
Today · 4.125%
HK$36,437
baseline
▲ 0.50% · 4.625%
HK$38,654
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,874/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,144
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,038/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,324
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,301/mo
Today · 4.125%
HK$43,725
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,450/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,773
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,246/mo
Today · 4.125%
HK$48,246
baseline
▲ 0.50% · 4.625%
HK$50,789
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,492/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,002
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,495
−HK$1,517/mo
Today · 4.125%
HK$51,012
baseline
▲ 0.50% · 4.625%
HK$54,116
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,024/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,402
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,834
−HK$1,453/mo
Today · 4.125%
HK$56,287
baseline
▲ 0.50% · 4.625%
HK$59,254
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,574/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,717
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,636
−HK$1,951/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,578
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,659
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,501
−HK$1,868/mo
Today · 4.125%
HK$72,369
baseline
▲ 0.50% · 4.625%
HK$76,183
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,738/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,869 · Scale 2, in force from 26 Feb 2026)