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$34,277
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$1,083/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,643
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,133
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,156
−HK$1,037/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,312
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,133
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,300/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,372
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,760
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,245/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,516/mo
Today · 4.125%
HK$50,997
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,994/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,386
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,818
−HK$1,453/mo
Today · 4.125%
HK$56,271
baseline
▲ 0.50% · 4.625%
HK$59,237
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,542/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,699
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,950/mo
Today · 4.125%
HK$65,568
baseline
▲ 0.50% · 4.625%
HK$69,558
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,136/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,640
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,481
−HK$1,867/mo
Today · 4.125%
HK$72,348
baseline
▲ 0.50% · 4.625%
HK$76,162
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,696/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,708 · Scale 2, in force from 26 Feb 2026)