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$34,311
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$1,084/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,170
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,194
−HK$1,039/mo
Today · 4.125%
HK$40,233
baseline
▲ 0.50% · 4.625%
HK$42,353
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,466/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,454
−HK$1,301/mo
Today · 4.125%
HK$43,755
baseline
▲ 0.50% · 4.625%
HK$46,417
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,510/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,805
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,033
−HK$1,246/mo
Today · 4.125%
HK$48,279
baseline
▲ 0.50% · 4.625%
HK$50,824
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,558/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,035
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,518/mo
Today · 4.125%
HK$51,047
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,094/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,439
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,454/mo
Today · 4.125%
HK$56,326
baseline
▲ 0.50% · 4.625%
HK$59,295
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,652/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,759
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,681
−HK$1,951/mo
Today · 4.125%
HK$65,632
baseline
▲ 0.50% · 4.625%
HK$69,626
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,264/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,707
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,549
−HK$1,870/mo
Today · 4.125%
HK$72,419
baseline
▲ 0.50% · 4.625%
HK$76,236
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,838/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,259 · Scale 2, in force from 26 Feb 2026)