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$34,315
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$1,084/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,686
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,176
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,199
−HK$1,039/mo
Today · 4.125%
HK$40,238
baseline
▲ 0.50% · 4.625%
HK$42,359
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,476/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,178
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,459
−HK$1,302/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,423
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,811
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,039
−HK$1,247/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$50,831
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,042
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,536
−HK$1,518/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$54,161
+HK$3,107/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,446
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,879
−HK$1,454/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,303
+HK$2,970/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,666/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,768
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,952/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,635
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,716
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,559
−HK$1,869/mo
Today · 4.125%
HK$72,428
baseline
▲ 0.50% · 4.625%
HK$76,246
+HK$3,818/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,856/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,335 · Scale 2, in force from 26 Feb 2026)