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$34,283
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$1,084/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,650
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,140
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,162
−HK$1,038/mo
Today · 4.125%
HK$40,200
baseline
▲ 0.50% · 4.625%
HK$42,319
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,400/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,140
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,301/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,768
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,245/mo
Today · 4.125%
HK$48,240
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,480/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,996
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,489
−HK$1,517/mo
Today · 4.125%
HK$51,006
baseline
▲ 0.50% · 4.625%
HK$54,110
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,012/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,395
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,827
−HK$1,453/mo
Today · 4.125%
HK$56,280
baseline
▲ 0.50% · 4.625%
HK$59,247
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,560/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,710
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,950/mo
Today · 4.125%
HK$65,579
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,158/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,651
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,492
−HK$1,868/mo
Today · 4.125%
HK$72,360
baseline
▲ 0.50% · 4.625%
HK$76,175
+HK$3,815/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,720/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,804 · Scale 2, in force from 26 Feb 2026)