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$34,243
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$1,082/mo
Today · 4.125%
HK$36,390
baseline
▲ 0.50% · 4.625%
HK$38,604
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,780/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,036/mo
Today · 4.125%
HK$40,153
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,306/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,091
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,370
−HK$1,298/mo
Today · 4.125%
HK$43,668
baseline
▲ 0.50% · 4.625%
HK$46,325
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,336/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,244/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,539/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,431
−HK$1,515/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$54,046
+HK$3,100/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,333
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,451/mo
Today · 4.125%
HK$56,214
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$2,963/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,428/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,571
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,410
−HK$1,865/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,142 · Scale 2, in force from 26 Feb 2026)