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$34,281
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,347
−HK$1,083/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,647
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,137
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,037/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,316
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,300/mo
Today · 4.125%
HK$43,716
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,432/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,764
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,246/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$50,779
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,993
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,486
−HK$1,516/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$54,106
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,391
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,453/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,242
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,705
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,624
−HK$1,950/mo
Today · 4.125%
HK$65,574
baseline
▲ 0.50% · 4.625%
HK$69,564
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,148/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,646
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,487
−HK$1,868/mo
Today · 4.125%
HK$72,355
baseline
▲ 0.50% · 4.625%
HK$76,169
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,710/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,762 · Scale 2, in force from 26 Feb 2026)