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$34,259
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$1,082/mo
Today · 4.125%
HK$36,407
baseline
▲ 0.50% · 4.625%
HK$38,623
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,814/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,113
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,135
−HK$1,037/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,111
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,390
−HK$1,299/mo
Today · 4.125%
HK$43,689
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,378/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,735
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,962
−HK$1,244/mo
Today · 4.125%
HK$48,206
baseline
▲ 0.50% · 4.625%
HK$50,747
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,412/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,963
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,455
−HK$1,515/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$54,072
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,358
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,789
−HK$1,452/mo
Today · 4.125%
HK$56,241
baseline
▲ 0.50% · 4.625%
HK$59,205
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,482/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,666
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,949/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$69,521
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,603
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,443
−HK$1,867/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,121
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,408 · Scale 2, in force from 26 Feb 2026)