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$34,240
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$1,082/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,036/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,298/mo
Today · 4.125%
HK$43,664
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,328/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,244/mo
Today · 4.125%
HK$48,179
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,358/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,515/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$54,041
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,328
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,451/mo
Today · 4.125%
HK$56,209
baseline
▲ 0.50% · 4.625%
HK$59,172
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,418/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,631
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,548
−HK$1,948/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$69,482
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,564
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,403
−HK$1,866/mo
Today · 4.125%
HK$72,269
baseline
▲ 0.50% · 4.625%
HK$76,078
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,538/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,090 · Scale 2, in force from 26 Feb 2026)