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$34,308
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$1,084/mo
Today · 4.125%
HK$36,459
baseline
▲ 0.50% · 4.625%
HK$38,678
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,918/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,167
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,191
−HK$1,038/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,350
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,450
−HK$1,301/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,246/mo
Today · 4.125%
HK$48,275
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,550/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,031
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,525
−HK$1,518/mo
Today · 4.125%
HK$51,043
baseline
▲ 0.50% · 4.625%
HK$54,149
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,086/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,434
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,454/mo
Today · 4.125%
HK$56,321
baseline
▲ 0.50% · 4.625%
HK$59,290
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,642/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,754
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,675
−HK$1,952/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,620
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,701
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,543
−HK$1,869/mo
Today · 4.125%
HK$72,412
baseline
▲ 0.50% · 4.625%
HK$76,229
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,824/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,210 · Scale 2, in force from 26 Feb 2026)