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$34,249
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$1,082/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,102
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,036/mo
Today · 4.125%
HK$40,160
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,320/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,099
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,377
−HK$1,299/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,722
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,244/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,949
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,440
−HK$1,516/mo
Today · 4.125%
HK$50,956
baseline
▲ 0.50% · 4.625%
HK$54,056
+HK$3,100/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,912/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,343
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,773
−HK$1,452/mo
Today · 4.125%
HK$56,225
baseline
▲ 0.50% · 4.625%
HK$59,188
+HK$2,963/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,450/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,649
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,949/mo
Today · 4.125%
HK$65,515
baseline
▲ 0.50% · 4.625%
HK$69,501
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,030/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,583
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,423
−HK$1,866/mo
Today · 4.125%
HK$72,289
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,578/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,247 · Scale 2, in force from 26 Feb 2026)