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$34,252
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$1,082/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,615
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,105
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,037/mo
Today · 4.125%
HK$40,164
baseline
▲ 0.50% · 4.625%
HK$42,281
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,328/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,381
−HK$1,299/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$46,338
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,726
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,244/mo
Today · 4.125%
HK$48,197
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,394/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,953
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,445
−HK$1,515/mo
Today · 4.125%
HK$50,960
baseline
▲ 0.50% · 4.625%
HK$54,061
+HK$3,101/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,920/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,347
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,778
−HK$1,452/mo
Today · 4.125%
HK$56,230
baseline
▲ 0.50% · 4.625%
HK$59,194
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,460/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,654
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,572
−HK$1,948/mo
Today · 4.125%
HK$65,520
baseline
▲ 0.50% · 4.625%
HK$69,507
+HK$3,987/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,040/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,590
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,429
−HK$1,866/mo
Today · 4.125%
HK$72,295
baseline
▲ 0.50% · 4.625%
HK$76,106
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,590/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,297 · Scale 2, in force from 26 Feb 2026)