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$34,231
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$1,082/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,082
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,036/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,078
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,355
−HK$1,298/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$46,310
+HK$2,657/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,243/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$50,706
+HK$2,539/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,924
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,415
−HK$1,514/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,745
−HK$1,450/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,157
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,616
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,533
−HK$1,947/mo
Today · 4.125%
HK$65,480
baseline
▲ 0.50% · 4.625%
HK$69,465
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,960/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,548
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,386
−HK$1,865/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,059
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,952 · Scale 2, in force from 26 Feb 2026)