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$34,275
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$1,083/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,640
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,130
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,037/mo
Today · 4.125%
HK$40,190
baseline
▲ 0.50% · 4.625%
HK$42,309
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,380/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,300/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,368
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,756
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,244/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$50,771
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,985
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,517/mo
Today · 4.125%
HK$50,994
baseline
▲ 0.50% · 4.625%
HK$54,097
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,988/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,382
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,814
−HK$1,453/mo
Today · 4.125%
HK$56,267
baseline
▲ 0.50% · 4.625%
HK$59,232
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,534/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,614
−HK$1,949/mo
Today · 4.125%
HK$65,563
baseline
▲ 0.50% · 4.625%
HK$69,553
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,126/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,635
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,475
−HK$1,868/mo
Today · 4.125%
HK$72,343
baseline
▲ 0.50% · 4.625%
HK$76,156
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,686/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,667 · Scale 2, in force from 26 Feb 2026)