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$34,313
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,380
−HK$1,085/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,683
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,173
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,038/mo
Today · 4.125%
HK$40,235
baseline
▲ 0.50% · 4.625%
HK$42,356
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,470/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,302/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,246/mo
Today · 4.125%
HK$48,282
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,564/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,038
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,532
−HK$1,519/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,442
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,875
−HK$1,454/mo
Today · 4.125%
HK$56,329
baseline
▲ 0.50% · 4.625%
HK$59,298
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,658/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,763
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,951/mo
Today · 4.125%
HK$65,636
baseline
▲ 0.50% · 4.625%
HK$69,630
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,272/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,711
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,554
−HK$1,869/mo
Today · 4.125%
HK$72,423
baseline
▲ 0.50% · 4.625%
HK$76,241
+HK$3,818/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,846/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,295 · Scale 2, in force from 26 Feb 2026)