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$34,244
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,310
−HK$1,082/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,097
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,118
−HK$1,037/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,271
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,093
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,298/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,942
−HK$1,244/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$50,726
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,942
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,434
−HK$1,515/mo
Today · 4.125%
HK$50,949
baseline
▲ 0.50% · 4.625%
HK$54,049
+HK$3,100/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,898/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,335
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,766
−HK$1,451/mo
Today · 4.125%
HK$56,217
baseline
▲ 0.50% · 4.625%
HK$59,180
+HK$2,963/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,434/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,640
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,557
−HK$1,948/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$69,491
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,574
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,413
−HK$1,866/mo
Today · 4.125%
HK$72,279
baseline
▲ 0.50% · 4.625%
HK$76,089
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,558/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,168 · Scale 2, in force from 26 Feb 2026)