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$34,235
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,300
−HK$1,082/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,086
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,037/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,082
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,360
−HK$1,298/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,656/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,929
−HK$1,243/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$50,711
+HK$2,539/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,420
−HK$1,514/mo
Today · 4.125%
HK$50,934
baseline
▲ 0.50% · 4.625%
HK$54,033
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,868/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,320
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,750
−HK$1,451/mo
Today · 4.125%
HK$56,201
baseline
▲ 0.50% · 4.625%
HK$59,163
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,402/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,539
−HK$1,948/mo
Today · 4.125%
HK$65,487
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,974/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,393
−HK$1,865/mo
Today · 4.125%
HK$72,258
baseline
▲ 0.50% · 4.625%
HK$76,067
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,516/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,009 · Scale 2, in force from 26 Feb 2026)