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$34,270
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$1,083/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,147
−HK$1,038/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,124
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,300/mo
Today · 4.125%
HK$43,703
baseline
▲ 0.50% · 4.625%
HK$46,362
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,406/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,750
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,977
−HK$1,245/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$50,763
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,470
−HK$1,516/mo
Today · 4.125%
HK$50,986
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,972/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,375
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,452/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,224
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,686
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,604
−HK$1,950/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,543
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,465
−HK$1,867/mo
Today · 4.125%
HK$72,332
baseline
▲ 0.50% · 4.625%
HK$76,145
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,664/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,586 · Scale 2, in force from 26 Feb 2026)