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$34,237
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$1,082/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,598
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,088
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,036/mo
Today · 4.125%
HK$40,146
baseline
▲ 0.50% · 4.625%
HK$42,262
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,292/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,299/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,656/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,706
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,932
−HK$1,243/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$50,715
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,515/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$54,037
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,451/mo
Today · 4.125%
HK$56,205
baseline
▲ 0.50% · 4.625%
HK$59,167
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,410/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,627
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,544
−HK$1,947/mo
Today · 4.125%
HK$65,491
baseline
▲ 0.50% · 4.625%
HK$69,476
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,982/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,559
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,398
−HK$1,865/mo
Today · 4.125%
HK$72,263
baseline
▲ 0.50% · 4.625%
HK$76,072
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,526/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,046 · Scale 2, in force from 26 Feb 2026)