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$34,100
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$1,077/mo
Today · 4.125%
HK$36,238
baseline
▲ 0.50% · 4.625%
HK$38,443
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,476/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,953
−HK$1,032/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,193
−HK$1,293/mo
Today · 4.125%
HK$43,486
baseline
▲ 0.50% · 4.625%
HK$46,132
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,972/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,523
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,744
−HK$1,239/mo
Today · 4.125%
HK$47,983
baseline
▲ 0.50% · 4.625%
HK$50,512
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,966/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,740
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,225
−HK$1,509/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,821
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,110
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,535
−HK$1,445/mo
Today · 4.125%
HK$55,980
baseline
▲ 0.50% · 4.625%
HK$58,930
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,960/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,380
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,289
−HK$1,940/mo
Today · 4.125%
HK$65,229
baseline
▲ 0.50% · 4.625%
HK$69,198
+HK$3,969/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,458/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,285
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,116
−HK$1,858/mo
Today · 4.125%
HK$71,974
baseline
▲ 0.50% · 4.625%
HK$75,768
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,948/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,793 · Scale 2, in force from 26 Feb 2026)