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$34,277
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,343
−HK$1,083/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,038/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,300/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,759
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,245/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,480
−HK$1,517/mo
Today · 4.125%
HK$50,997
baseline
▲ 0.50% · 4.625%
HK$54,100
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,994/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,386
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,818
−HK$1,452/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,236
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,698
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,949/mo
Today · 4.125%
HK$65,567
baseline
▲ 0.50% · 4.625%
HK$69,557
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,134/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,639
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,480
−HK$1,867/mo
Today · 4.125%
HK$72,347
baseline
▲ 0.50% · 4.625%
HK$76,161
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,694/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,702 · Scale 2, in force from 26 Feb 2026)