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$34,316
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$1,084/mo
Today · 4.125%
HK$36,468
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,936/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,177
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,201
−HK$1,038/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,360
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,180
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,461
−HK$1,301/mo
Today · 4.125%
HK$43,762
baseline
▲ 0.50% · 4.625%
HK$46,425
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,524/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,812
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,041
−HK$1,246/mo
Today · 4.125%
HK$48,287
baseline
▲ 0.50% · 4.625%
HK$50,832
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,574/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,519/mo
Today · 4.125%
HK$51,056
baseline
▲ 0.50% · 4.625%
HK$54,162
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,112/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,447
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,881
−HK$1,454/mo
Today · 4.125%
HK$56,335
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,670/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,770
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,691
−HK$1,952/mo
Today · 4.125%
HK$65,643
baseline
▲ 0.50% · 4.625%
HK$69,637
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,286/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,718
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,561
−HK$1,870/mo
Today · 4.125%
HK$72,431
baseline
▲ 0.50% · 4.625%
HK$76,249
+HK$3,818/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,862/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,352 · Scale 2, in force from 26 Feb 2026)