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$34,302
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$1,084/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,672
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,161
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,039/mo
Today · 4.125%
HK$40,223
baseline
▲ 0.50% · 4.625%
HK$42,343
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,446/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,443
−HK$1,301/mo
Today · 4.125%
HK$43,744
baseline
▲ 0.50% · 4.625%
HK$46,406
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,488/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,793
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,246/mo
Today · 4.125%
HK$48,267
baseline
▲ 0.50% · 4.625%
HK$50,812
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,534/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,023
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,517
−HK$1,518/mo
Today · 4.125%
HK$51,035
baseline
▲ 0.50% · 4.625%
HK$54,140
+HK$3,105/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,070/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,425
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,858
−HK$1,454/mo
Today · 4.125%
HK$56,312
baseline
▲ 0.50% · 4.625%
HK$59,280
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,624/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,744
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,665
−HK$1,951/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,609
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,690
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$1,869/mo
Today · 4.125%
HK$72,401
baseline
▲ 0.50% · 4.625%
HK$76,217
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,802/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,121 · Scale 2, in force from 26 Feb 2026)