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$34,261
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,326
−HK$1,083/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,115
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,037/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,299/mo
Today · 4.125%
HK$43,691
baseline
▲ 0.50% · 4.625%
HK$46,349
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,382/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,964
−HK$1,245/mo
Today · 4.125%
HK$48,209
baseline
▲ 0.50% · 4.625%
HK$50,750
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,418/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,516/mo
Today · 4.125%
HK$50,973
baseline
▲ 0.50% · 4.625%
HK$54,074
+HK$3,101/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,946/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,451/mo
Today · 4.125%
HK$56,243
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,486/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,669
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,587
−HK$1,949/mo
Today · 4.125%
HK$65,536
baseline
▲ 0.50% · 4.625%
HK$69,524
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,072/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,606
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,446
−HK$1,867/mo
Today · 4.125%
HK$72,313
baseline
▲ 0.50% · 4.625%
HK$76,125
+HK$3,812/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,626/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,435 · Scale 2, in force from 26 Feb 2026)