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$34,139
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$1,079/mo
Today · 4.125%
HK$36,280
baseline
▲ 0.50% · 4.625%
HK$38,487
+HK$2,207/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,560/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,979
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,998
−HK$1,033/mo
Today · 4.125%
HK$40,031
baseline
▲ 0.50% · 4.625%
HK$42,141
+HK$2,110/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,062/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,967
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,295/mo
Today · 4.125%
HK$43,536
baseline
▲ 0.50% · 4.625%
HK$46,185
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,072/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,575
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,240/mo
Today · 4.125%
HK$48,037
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,074/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,794
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,510/mo
Today · 4.125%
HK$50,791
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,582/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,446/mo
Today · 4.125%
HK$56,043
baseline
▲ 0.50% · 4.625%
HK$58,998
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,086/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,450
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,361
−HK$1,942/mo
Today · 4.125%
HK$65,303
baseline
▲ 0.50% · 4.625%
HK$69,277
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,606/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,362
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,196
−HK$1,860/mo
Today · 4.125%
HK$72,056
baseline
▲ 0.50% · 4.625%
HK$75,854
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,112/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,431 · Scale 2, in force from 26 Feb 2026)