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$34,298
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,365
−HK$1,084/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,156
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,179
−HK$1,039/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,338
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,158
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,438
−HK$1,300/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,400
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,015
−HK$1,246/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$50,805
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,017
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,511
−HK$1,517/mo
Today · 4.125%
HK$51,028
baseline
▲ 0.50% · 4.625%
HK$54,133
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,056/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,419
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,454/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,736
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,657
−HK$1,951/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,600
+HK$3,992/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,681
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,523
−HK$1,869/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,208
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,048 · Scale 2, in force from 26 Feb 2026)