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$34,314
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,381
−HK$1,085/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,174
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,198
−HK$1,039/mo
Today · 4.125%
HK$40,237
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,474/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,177
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,301/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,518/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,809
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,038
−HK$1,246/mo
Today · 4.125%
HK$48,284
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,568/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,040
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,518/mo
Today · 4.125%
HK$51,052
baseline
▲ 0.50% · 4.625%
HK$54,159
+HK$3,107/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,104/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,444
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,877
−HK$1,454/mo
Today · 4.125%
HK$56,331
baseline
▲ 0.50% · 4.625%
HK$59,300
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,662/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,765
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,687
−HK$1,952/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,713
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,556
−HK$1,870/mo
Today · 4.125%
HK$72,426
baseline
▲ 0.50% · 4.625%
HK$76,243
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,852/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,314 · Scale 2, in force from 26 Feb 2026)