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$34,303
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,370
−HK$1,085/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,673
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,162
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,186
−HK$1,038/mo
Today · 4.125%
HK$40,224
baseline
▲ 0.50% · 4.625%
HK$42,344
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,448/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,445
−HK$1,300/mo
Today · 4.125%
HK$43,745
baseline
▲ 0.50% · 4.625%
HK$46,407
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,490/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,795
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,246/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$50,813
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,025
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,519
−HK$1,517/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$54,142
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,427
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,860
−HK$1,454/mo
Today · 4.125%
HK$56,314
baseline
▲ 0.50% · 4.625%
HK$59,282
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,628/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,746
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,667
−HK$1,951/mo
Today · 4.125%
HK$65,618
baseline
▲ 0.50% · 4.625%
HK$69,611
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,236/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,692
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,534
−HK$1,869/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,220
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,138 · Scale 2, in force from 26 Feb 2026)