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$34,247
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$1,082/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,609
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,036/mo
Today · 4.125%
HK$40,158
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,117/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,316/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,097
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,299/mo
Today · 4.125%
HK$43,674
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,348/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,720
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,946
−HK$1,244/mo
Today · 4.125%
HK$48,190
baseline
▲ 0.50% · 4.625%
HK$50,730
+HK$2,540/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,380/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,946
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,438
−HK$1,515/mo
Today · 4.125%
HK$50,953
baseline
▲ 0.50% · 4.625%
HK$54,053
+HK$3,100/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$101,906/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,340
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,770
−HK$1,451/mo
Today · 4.125%
HK$56,221
baseline
▲ 0.50% · 4.625%
HK$59,185
+HK$2,964/mo
Deposit HK$4.51M · loan HK$10.51M · min. income ≈ HK$112,442/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,948/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,986/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,580
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,419
−HK$1,866/mo
Today · 4.125%
HK$72,285
baseline
▲ 0.50% · 4.625%
HK$76,095
+HK$3,810/mo
Deposit HK$1.50M · loan HK$13.52M · min. income ≈ HK$144,570/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,215 · Scale 2, in force from 26 Feb 2026)