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$34,229
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$1,082/mo
Today · 4.125%
HK$36,376
baseline
▲ 0.50% · 4.625%
HK$38,589
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,752/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,080
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,036/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,253
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,298/mo
Today · 4.125%
HK$43,651
baseline
▲ 0.50% · 4.625%
HK$46,307
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,302/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,921
−HK$1,244/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,539/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,921
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,412
−HK$1,514/mo
Today · 4.125%
HK$50,926
baseline
▲ 0.50% · 4.625%
HK$54,025
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,852/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,312
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,742
−HK$1,450/mo
Today · 4.125%
HK$56,192
baseline
▲ 0.50% · 4.625%
HK$59,154
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,384/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,530
−HK$1,947/mo
Today · 4.125%
HK$65,477
baseline
▲ 0.50% · 4.625%
HK$69,461
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,954/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,544
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,382
−HK$1,865/mo
Today · 4.125%
HK$72,247
baseline
▲ 0.50% · 4.625%
HK$76,055
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,494/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,922 · Scale 2, in force from 26 Feb 2026)