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$34,269
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$1,083/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,037/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,301
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,299/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,748
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,975
−HK$1,245/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,976
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,468
−HK$1,517/mo
Today · 4.125%
HK$50,985
baseline
▲ 0.50% · 4.625%
HK$54,087
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,970/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,373
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,804
−HK$1,452/mo
Today · 4.125%
HK$56,256
baseline
▲ 0.50% · 4.625%
HK$59,222
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,512/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,684
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,950/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,622
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$1,867/mo
Today · 4.125%
HK$72,330
baseline
▲ 0.50% · 4.625%
HK$76,142
+HK$3,812/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,660/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,566 · Scale 2, in force from 26 Feb 2026)