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$34,297
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$1,084/mo
Today · 4.125%
HK$36,448
baseline
▲ 0.50% · 4.625%
HK$38,666
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,896/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,155
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,179
−HK$1,038/mo
Today · 4.125%
HK$40,217
baseline
▲ 0.50% · 4.625%
HK$42,337
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,434/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,301/mo
Today · 4.125%
HK$43,738
baseline
▲ 0.50% · 4.625%
HK$46,399
+HK$2,661/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$87,476/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,786
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,014
−HK$1,246/mo
Today · 4.125%
HK$48,260
baseline
▲ 0.50% · 4.625%
HK$50,804
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.02M · min. income ≈ HK$96,520/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,016
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,517/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$54,132
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,417
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,850
−HK$1,453/mo
Today · 4.125%
HK$56,303
baseline
▲ 0.50% · 4.625%
HK$59,271
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,606/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,735
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,655
−HK$1,951/mo
Today · 4.125%
HK$65,606
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,992/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,212/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,680
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,522
−HK$1,868/mo
Today · 4.125%
HK$72,390
baseline
▲ 0.50% · 4.625%
HK$76,206
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,780/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,036 · Scale 2, in force from 26 Feb 2026)