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$34,099
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,078/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,935
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,952
−HK$1,032/mo
Today · 4.125%
HK$39,984
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,968/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,919
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,191
−HK$1,294/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$46,130
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,521
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,742
−HK$1,239/mo
Today · 4.125%
HK$47,981
baseline
▲ 0.50% · 4.625%
HK$50,510
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,962/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,738
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,223
−HK$1,509/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,533
−HK$1,445/mo
Today · 4.125%
HK$55,978
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,956/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,378
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,287
−HK$1,940/mo
Today · 4.125%
HK$65,227
baseline
▲ 0.50% · 4.625%
HK$69,196
+HK$3,969/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,454/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,282
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,114
−HK$1,857/mo
Today · 4.125%
HK$71,971
baseline
▲ 0.50% · 4.625%
HK$75,765
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,942/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,773 · Scale 2, in force from 26 Feb 2026)