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$34,289
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$1,084/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,146
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,038/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,326
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,147
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,426
−HK$1,301/mo
Today · 4.125%
HK$43,727
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,454/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,775
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,003
−HK$1,245/mo
Today · 4.125%
HK$48,248
baseline
▲ 0.50% · 4.625%
HK$50,791
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,496/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,498
−HK$1,517/mo
Today · 4.125%
HK$51,015
baseline
▲ 0.50% · 4.625%
HK$54,119
+HK$3,104/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,030/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,404
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,837
−HK$1,453/mo
Today · 4.125%
HK$56,290
baseline
▲ 0.50% · 4.625%
HK$59,257
+HK$2,967/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,580/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,640
−HK$1,950/mo
Today · 4.125%
HK$65,590
baseline
▲ 0.50% · 4.625%
HK$69,581
+HK$3,991/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,180/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,663
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,504
−HK$1,868/mo
Today · 4.125%
HK$72,372
baseline
▲ 0.50% · 4.625%
HK$76,187
+HK$3,815/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,744/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,897 · Scale 2, in force from 26 Feb 2026)