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$34,234
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$1,082/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,594
+HK$2,213/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,106
−HK$1,036/mo
Today · 4.125%
HK$40,142
baseline
▲ 0.50% · 4.625%
HK$42,258
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,284/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,358
−HK$1,299/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,656/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,702
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,927
−HK$1,244/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$50,710
+HK$2,539/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,927
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,418
−HK$1,515/mo
Today · 4.125%
HK$50,933
baseline
▲ 0.50% · 4.625%
HK$54,032
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,866/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,319
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,749
−HK$1,450/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,162
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,621
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,947/mo
Today · 4.125%
HK$65,485
baseline
▲ 0.50% · 4.625%
HK$69,470
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,970/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,552
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,391
−HK$1,865/mo
Today · 4.125%
HK$72,256
baseline
▲ 0.50% · 4.625%
HK$76,065
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,512/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,992 · Scale 2, in force from 26 Feb 2026)