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$2,152/mo
▼ 0.25% · 3.875%
HK$35,377
−HK$1,084/mo
Today · 4.125%
HK$36,461
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$2,219/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,922/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,169
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,038/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,352
+HK$2,121/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$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,301/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$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,246/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$50,822
+HK$2,545/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$564,237 · 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$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,437
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,454/mo
Today · 4.125%
HK$56,324
baseline
▲ 0.50% · 4.625%
HK$59,292
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,648/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,952/mo
Today · 4.125%
HK$65,630
baseline
▲ 0.50% · 4.625%
HK$69,623
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,260/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,704
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,547
−HK$1,869/mo
Today · 4.125%
HK$72,416
baseline
▲ 0.50% · 4.625%
HK$76,233
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,832/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,237 · Scale 2, in force from 26 Feb 2026)