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$34,290
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$1,084/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,658
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,148
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,038/mo
Today · 4.125%
HK$40,209
baseline
▲ 0.50% · 4.625%
HK$42,328
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,418/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,148
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,301/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,390
+HK$2,661/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,005
−HK$1,245/mo
Today · 4.125%
HK$48,250
baseline
▲ 0.50% · 4.625%
HK$50,794
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,500/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,007
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,500
−HK$1,517/mo
Today · 4.125%
HK$51,017
baseline
▲ 0.50% · 4.625%
HK$54,121
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,034/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,407
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,453/mo
Today · 4.125%
HK$56,292
baseline
▲ 0.50% · 4.625%
HK$59,259
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,584/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,723
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,643
−HK$1,950/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,584
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,666
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,508
−HK$1,868/mo
Today · 4.125%
HK$72,376
baseline
▲ 0.50% · 4.625%
HK$76,191
+HK$3,815/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,752/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,924 · Scale 2, in force from 26 Feb 2026)