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$34,227
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$1,082/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,036/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,115/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,073
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,298/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,244/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,538/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,918
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,409
−HK$1,514/mo
Today · 4.125%
HK$50,923
baseline
▲ 0.50% · 4.625%
HK$54,022
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,846/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,308
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,738
−HK$1,451/mo
Today · 4.125%
HK$56,189
baseline
▲ 0.50% · 4.625%
HK$59,150
+HK$2,961/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,378/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,609
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,525
−HK$1,947/mo
Today · 4.125%
HK$65,472
baseline
▲ 0.50% · 4.625%
HK$69,456
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,944/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,539
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,378
−HK$1,864/mo
Today · 4.125%
HK$72,242
baseline
▲ 0.50% · 4.625%
HK$76,050
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,484/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,885 · Scale 2, in force from 26 Feb 2026)