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$34,232
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$1,082/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,083
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,036/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,079
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,356
−HK$1,299/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,244/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,539/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,925
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,514/mo
Today · 4.125%
HK$50,930
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,860/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,451/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,159
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,618
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,535
−HK$1,947/mo
Today · 4.125%
HK$65,482
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,964/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,549
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,388
−HK$1,865/mo
Today · 4.125%
HK$72,253
baseline
▲ 0.50% · 4.625%
HK$76,061
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,506/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,966 · Scale 2, in force from 26 Feb 2026)