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$34,279
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$1,084/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,645
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,135
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,038/mo
Today · 4.125%
HK$40,196
baseline
▲ 0.50% · 4.625%
HK$42,314
+HK$2,118/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,392/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,300/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,374
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,762
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,990
−HK$1,245/mo
Today · 4.125%
HK$48,235
baseline
▲ 0.50% · 4.625%
HK$50,777
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,470/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,516/mo
Today · 4.125%
HK$51,000
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,000/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,389
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,453/mo
Today · 4.125%
HK$56,274
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,548/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,703
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,622
−HK$1,950/mo
Today · 4.125%
HK$65,572
baseline
▲ 0.50% · 4.625%
HK$69,562
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,144/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,643
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,484
−HK$1,868/mo
Today · 4.125%
HK$72,352
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,704/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,740 · Scale 2, in force from 26 Feb 2026)