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$34,239
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$1,082/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,600
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,036/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,087
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,298/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$46,320
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,709
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,243/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$50,718
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,935
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,426
−HK$1,515/mo
Today · 4.125%
HK$50,941
baseline
▲ 0.50% · 4.625%
HK$54,040
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,882/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,327
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,757
−HK$1,451/mo
Today · 4.125%
HK$56,208
baseline
▲ 0.50% · 4.625%
HK$59,171
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,416/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,630
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,547
−HK$1,948/mo
Today · 4.125%
HK$65,495
baseline
▲ 0.50% · 4.625%
HK$69,480
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,990/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,563
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,402
−HK$1,865/mo
Today · 4.125%
HK$72,267
baseline
▲ 0.50% · 4.625%
HK$76,077
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,534/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,079 · Scale 2, in force from 26 Feb 2026)