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$34,256
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$1,083/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,619
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,109
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,131
−HK$1,037/mo
Today · 4.125%
HK$40,168
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,336/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,107
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,299/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,731
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,244/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,958
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,450
−HK$1,516/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$54,067
+HK$3,101/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,353
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,784
−HK$1,451/mo
Today · 4.125%
HK$56,235
baseline
▲ 0.50% · 4.625%
HK$59,200
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,470/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,661
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,948/mo
Today · 4.125%
HK$65,527
baseline
▲ 0.50% · 4.625%
HK$69,514
+HK$3,987/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,054/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,597
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,436
−HK$1,867/mo
Today · 4.125%
HK$72,303
baseline
▲ 0.50% · 4.625%
HK$76,114
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,606/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,356 · Scale 2, in force from 26 Feb 2026)