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$34,286
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,353
−HK$1,083/mo
Today · 4.125%
HK$36,436
baseline
▲ 0.50% · 4.625%
HK$38,653
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,872/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,143
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,038/mo
Today · 4.125%
HK$40,204
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,408/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,143
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,300/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,661/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,771
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,245/mo
Today · 4.125%
HK$48,244
baseline
▲ 0.50% · 4.625%
HK$50,787
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,488/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,000
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,494
−HK$1,517/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,400
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,832
−HK$1,453/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,252
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,715
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,635
−HK$1,950/mo
Today · 4.125%
HK$65,585
baseline
▲ 0.50% · 4.625%
HK$69,576
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,170/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,657
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,499
−HK$1,868/mo
Today · 4.125%
HK$72,367
baseline
▲ 0.50% · 4.625%
HK$76,181
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,734/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,852 · Scale 2, in force from 26 Feb 2026)