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$34,256
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$1,083/mo
Today · 4.125%
HK$36,405
baseline
▲ 0.50% · 4.625%
HK$38,620
+HK$2,215/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,810/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,110
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,037/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,108
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,300/mo
Today · 4.125%
HK$43,686
baseline
▲ 0.50% · 4.625%
HK$46,344
+HK$2,658/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,372/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,245/mo
Today · 4.125%
HK$48,203
baseline
▲ 0.50% · 4.625%
HK$50,744
+HK$2,541/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,406/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,959
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,515/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$3,102/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,354
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,452/mo
Today · 4.125%
HK$56,237
baseline
▲ 0.50% · 4.625%
HK$59,201
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,474/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,662
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,580
−HK$1,948/mo
Today · 4.125%
HK$65,528
baseline
▲ 0.50% · 4.625%
HK$69,516
+HK$3,988/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,056/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,598
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,438
−HK$1,866/mo
Today · 4.125%
HK$72,304
baseline
▲ 0.50% · 4.625%
HK$76,115
+HK$3,811/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,608/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,366 · Scale 2, in force from 26 Feb 2026)