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$34,309
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,376
−HK$1,084/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,679
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,168
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,192
−HK$1,039/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,351
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,302/mo
Today · 4.125%
HK$43,753
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,506/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,030
−HK$1,247/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,544/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,033
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,527
−HK$1,518/mo
Today · 4.125%
HK$51,045
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,090/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,436
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,869
−HK$1,454/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,292
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,756
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,677
−HK$1,952/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,622
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,703
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,546
−HK$1,869/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,230 · Scale 2, in force from 26 Feb 2026)