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$34,310
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$1,084/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,039/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,352
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,453
−HK$1,301/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,416
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,246/mo
Today · 4.125%
HK$48,278
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,556/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,034
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,518/mo
Today · 4.125%
HK$51,046
baseline
▲ 0.50% · 4.625%
HK$54,152
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,092/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,437
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,454/mo
Today · 4.125%
HK$56,324
baseline
▲ 0.50% · 4.625%
HK$59,293
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,648/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,952/mo
Today · 4.125%
HK$65,631
baseline
▲ 0.50% · 4.625%
HK$69,624
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,262/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,705
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,548
−HK$1,869/mo
Today · 4.125%
HK$72,417
baseline
▲ 0.50% · 4.625%
HK$76,234
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,834/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,245 · Scale 2, in force from 26 Feb 2026)