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$34,271
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,337
−HK$1,083/mo
Today · 4.125%
HK$36,420
baseline
▲ 0.50% · 4.625%
HK$38,636
+HK$2,216/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,840/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,126
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,037/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,304
+HK$2,119/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,125
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,404
−HK$1,300/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,363
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,751
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,978
−HK$1,245/mo
Today · 4.125%
HK$48,223
baseline
▲ 0.50% · 4.625%
HK$50,764
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,446/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,979
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,516/mo
Today · 4.125%
HK$50,987
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,974/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,807
−HK$1,453/mo
Today · 4.125%
HK$56,260
baseline
▲ 0.50% · 4.625%
HK$59,225
+HK$2,965/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,520/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,687
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,606
−HK$1,949/mo
Today · 4.125%
HK$65,555
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,110/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,626
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,467
−HK$1,867/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,147
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,597 · Scale 2, in force from 26 Feb 2026)