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$34,258
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,323
−HK$1,083/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,621
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,111
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,037/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,109
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,388
−HK$1,299/mo
Today · 4.125%
HK$43,687
baseline
▲ 0.50% · 4.625%
HK$46,345
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,374/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,734
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,960
−HK$1,244/mo
Today · 4.125%
HK$48,204
baseline
▲ 0.50% · 4.625%
HK$50,745
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,408/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,961
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,453
−HK$1,515/mo
Today · 4.125%
HK$50,968
baseline
▲ 0.50% · 4.625%
HK$54,070
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,936/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,356
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,787
−HK$1,451/mo
Today · 4.125%
HK$56,238
baseline
▲ 0.50% · 4.625%
HK$59,203
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,476/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,664
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,582
−HK$1,949/mo
Today · 4.125%
HK$65,531
baseline
▲ 0.50% · 4.625%
HK$69,518
+HK$3,987/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,062/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,600
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,440
−HK$1,867/mo
Today · 4.125%
HK$72,307
baseline
▲ 0.50% · 4.625%
HK$76,118
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,614/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,385 · Scale 2, in force from 26 Feb 2026)