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$34,240
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$1,082/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,037/mo
Today · 4.125%
HK$40,150
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,300/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,299/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,244/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,539/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,515/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$54,042
+HK$3,100/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,328
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,451/mo
Today · 4.125%
HK$56,210
baseline
▲ 0.50% · 4.625%
HK$59,172
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,420/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,632
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,549
−HK$1,948/mo
Today · 4.125%
HK$65,497
baseline
▲ 0.50% · 4.625%
HK$69,482
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,994/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,565
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$1,865/mo
Today · 4.125%
HK$72,269
baseline
▲ 0.50% · 4.625%
HK$76,079
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,538/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,096 · Scale 2, in force from 26 Feb 2026)