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$34,313
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,381
−HK$1,084/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,684
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,173
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,039/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,457
−HK$1,301/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,421
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,808
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,037
−HK$1,246/mo
Today · 4.125%
HK$48,283
baseline
▲ 0.50% · 4.625%
HK$50,828
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,566/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,533
−HK$1,518/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$54,158
+HK$3,107/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,443
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,876
−HK$1,454/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,299
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,764
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,686
−HK$1,951/mo
Today · 4.125%
HK$65,637
baseline
▲ 0.50% · 4.625%
HK$69,631
+HK$3,994/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,274/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,712
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,555
−HK$1,869/mo
Today · 4.125%
HK$72,424
baseline
▲ 0.50% · 4.625%
HK$76,242
+HK$3,818/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,848/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,304 · Scale 2, in force from 26 Feb 2026)