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$34,236
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$1,082/mo
Today · 4.125%
HK$36,383
baseline
▲ 0.50% · 4.625%
HK$38,597
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,766/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,088
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,109
−HK$1,036/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,298/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,320/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,243/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,931
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,422
−HK$1,515/mo
Today · 4.125%
HK$50,937
baseline
▲ 0.50% · 4.625%
HK$54,036
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,874/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,323
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,753
−HK$1,451/mo
Today · 4.125%
HK$56,204
baseline
▲ 0.50% · 4.625%
HK$59,166
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,408/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,625
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,948/mo
Today · 4.125%
HK$65,490
baseline
▲ 0.50% · 4.625%
HK$69,475
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,980/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$1,866/mo
Today · 4.125%
HK$72,262
baseline
▲ 0.50% · 4.625%
HK$76,071
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,524/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,035 · Scale 2, in force from 26 Feb 2026)