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$34,299
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$1,084/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,668
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,158
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,181
−HK$1,038/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,339
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,159
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,300/mo
Today · 4.125%
HK$43,740
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,480/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,789
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,246/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,019
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,513
−HK$1,517/mo
Today · 4.125%
HK$51,030
baseline
▲ 0.50% · 4.625%
HK$54,135
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,060/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,421
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,854
−HK$1,453/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,275
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,739
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,659
−HK$1,951/mo
Today · 4.125%
HK$65,610
baseline
▲ 0.50% · 4.625%
HK$69,603
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,220/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,684
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,526
−HK$1,869/mo
Today · 4.125%
HK$72,395
baseline
▲ 0.50% · 4.625%
HK$76,211
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,790/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,072 · Scale 2, in force from 26 Feb 2026)