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$34,242
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$1,082/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,094
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,115
−HK$1,037/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,268
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,368
−HK$1,299/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$46,324
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,712
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,244/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,938
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,430
−HK$1,515/mo
Today · 4.125%
HK$50,945
baseline
▲ 0.50% · 4.625%
HK$54,045
+HK$3,100/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,890/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,331
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,761
−HK$1,451/mo
Today · 4.125%
HK$56,212
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,424/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,635
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,552
−HK$1,948/mo
Today · 4.125%
HK$65,500
baseline
▲ 0.50% · 4.625%
HK$69,486
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$131,000/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,569
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$1,866/mo
Today · 4.125%
HK$72,273
baseline
▲ 0.50% · 4.625%
HK$76,083
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,546/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,124 · Scale 2, in force from 26 Feb 2026)