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$34,281
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$1,083/mo
Today · 4.125%
HK$36,431
baseline
▲ 0.50% · 4.625%
HK$38,648
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,862/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,038/mo
Today · 4.125%
HK$40,198
baseline
▲ 0.50% · 4.625%
HK$42,317
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,396/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,300/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,434/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,246/mo
Today · 4.125%
HK$48,238
baseline
▲ 0.50% · 4.625%
HK$50,780
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,476/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,516/mo
Today · 4.125%
HK$51,003
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,006/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,452/mo
Today · 4.125%
HK$56,277
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,554/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,706
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,950/mo
Today · 4.125%
HK$65,576
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,152/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$1,867/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,170
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,773 · Scale 2, in force from 26 Feb 2026)