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$34,246
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$1,083/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,608
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,098
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,120
−HK$1,037/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,273
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,095
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,374
−HK$1,298/mo
Today · 4.125%
HK$43,672
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,344/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,944
−HK$1,244/mo
Today · 4.125%
HK$48,188
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,376/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,944
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,436
−HK$1,515/mo
Today · 4.125%
HK$50,951
baseline
▲ 0.50% · 4.625%
HK$54,051
+HK$3,100/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,902/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,768
−HK$1,451/mo
Today · 4.125%
HK$56,219
baseline
▲ 0.50% · 4.625%
HK$59,183
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,438/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,643
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,560
−HK$1,948/mo
Today · 4.125%
HK$65,508
baseline
▲ 0.50% · 4.625%
HK$69,494
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,016/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,577
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,416
−HK$1,866/mo
Today · 4.125%
HK$72,282
baseline
▲ 0.50% · 4.625%
HK$76,092
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,564/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,195 · Scale 2, in force from 26 Feb 2026)