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$34,261
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,327
−HK$1,083/mo
Today · 4.125%
HK$36,410
baseline
▲ 0.50% · 4.625%
HK$38,625
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,820/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,115
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,037/mo
Today · 4.125%
HK$40,174
baseline
▲ 0.50% · 4.625%
HK$42,292
+HK$2,118/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,348/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,300/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$46,350
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,965
−HK$1,244/mo
Today · 4.125%
HK$48,209
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,418/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,966
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,458
−HK$1,516/mo
Today · 4.125%
HK$50,974
baseline
▲ 0.50% · 4.625%
HK$54,075
+HK$3,101/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,948/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,452/mo
Today · 4.125%
HK$56,244
baseline
▲ 0.50% · 4.625%
HK$59,209
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,488/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,670
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,588
−HK$1,949/mo
Today · 4.125%
HK$65,537
baseline
▲ 0.50% · 4.625%
HK$69,525
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,074/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,607
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,447
−HK$1,867/mo
Today · 4.125%
HK$72,314
baseline
▲ 0.50% · 4.625%
HK$76,126
+HK$3,812/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,628/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,443 · Scale 2, in force from 26 Feb 2026)