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$34,255
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,320
−HK$1,083/mo
Today · 4.125%
HK$36,403
baseline
▲ 0.50% · 4.625%
HK$38,618
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,806/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,108
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,037/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,284
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,105
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,384
−HK$1,299/mo
Today · 4.125%
HK$43,683
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,366/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,729
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,956
−HK$1,244/mo
Today · 4.125%
HK$48,200
baseline
▲ 0.50% · 4.625%
HK$50,741
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,400/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,956
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,448
−HK$1,516/mo
Today · 4.125%
HK$50,964
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$3,101/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,928/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,351
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,782
−HK$1,451/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,197
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,658
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,576
−HK$1,949/mo
Today · 4.125%
HK$65,525
baseline
▲ 0.50% · 4.625%
HK$69,512
+HK$3,987/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,050/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,594
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,434
−HK$1,866/mo
Today · 4.125%
HK$72,300
baseline
▲ 0.50% · 4.625%
HK$76,111
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,600/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,334 · Scale 2, in force from 26 Feb 2026)