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$34,178
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,241
−HK$1,080/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,042
−HK$1,035/mo
Today · 4.125%
HK$40,077
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,154/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,013
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,289
−HK$1,296/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$46,237
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,627
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,851
−HK$1,241/mo
Today · 4.125%
HK$48,092
baseline
▲ 0.50% · 4.625%
HK$50,627
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,184/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,849
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,337
−HK$1,513/mo
Today · 4.125%
HK$50,850
baseline
▲ 0.50% · 4.625%
HK$53,944
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,700/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,232
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,659
−HK$1,449/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,065
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,520
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,434
−HK$1,944/mo
Today · 4.125%
HK$65,378
baseline
▲ 0.50% · 4.625%
HK$69,356
+HK$3,978/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,756/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,441
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,276
−HK$1,862/mo
Today · 4.125%
HK$72,138
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,276/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,073 · Scale 2, in force from 26 Feb 2026)