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$34,278
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$1,083/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,134
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,038/mo
Today · 4.125%
HK$40,195
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,118/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,390/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,414
−HK$1,299/mo
Today · 4.125%
HK$43,713
baseline
▲ 0.50% · 4.625%
HK$46,373
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,426/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,988
−HK$1,246/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$50,776
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,517/mo
Today · 4.125%
HK$50,999
baseline
▲ 0.50% · 4.625%
HK$54,102
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,998/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,388
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,452/mo
Today · 4.125%
HK$56,272
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,544/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,701
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,620
−HK$1,950/mo
Today · 4.125%
HK$65,570
baseline
▲ 0.50% · 4.625%
HK$69,560
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,140/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,642
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,483
−HK$1,867/mo
Today · 4.125%
HK$72,350
baseline
▲ 0.50% · 4.625%
HK$76,164
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,700/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,726 · Scale 2, in force from 26 Feb 2026)