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$34,238
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$1,083/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,037/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,264
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,086
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,299/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$46,319
+HK$2,656/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,243/mo
Today · 4.125%
HK$48,177
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,354/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,934
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,425
−HK$1,515/mo
Today · 4.125%
HK$50,940
baseline
▲ 0.50% · 4.625%
HK$54,039
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,880/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,451/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,170
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,629
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,948/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$1,865/mo
Today · 4.125%
HK$72,266
baseline
▲ 0.50% · 4.625%
HK$76,075
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,532/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,070 · Scale 2, in force from 26 Feb 2026)