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$34,269
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$1,083/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,634
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,124
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,038/mo
Today · 4.125%
HK$40,184
baseline
▲ 0.50% · 4.625%
HK$42,302
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,368/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,299/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,361
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,749
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,976
−HK$1,244/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,976
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,469
−HK$1,516/mo
Today · 4.125%
HK$50,985
baseline
▲ 0.50% · 4.625%
HK$54,087
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,970/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,373
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,805
−HK$1,452/mo
Today · 4.125%
HK$56,257
baseline
▲ 0.50% · 4.625%
HK$59,222
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,514/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,684
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,603
−HK$1,949/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,623
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$1,867/mo
Today · 4.125%
HK$72,330
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,660/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,570 · Scale 2, in force from 26 Feb 2026)