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$34,103
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$1,078/mo
Today · 4.125%
HK$36,242
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,484/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,032/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,197
−HK$1,293/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$46,136
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,748
−HK$1,239/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,745
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,230
−HK$1,509/mo
Today · 4.125%
HK$50,739
baseline
▲ 0.50% · 4.625%
HK$53,826
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,478/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,115
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,540
−HK$1,445/mo
Today · 4.125%
HK$55,985
baseline
▲ 0.50% · 4.625%
HK$58,936
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,970/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,386
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,295
−HK$1,940/mo
Today · 4.125%
HK$65,235
baseline
▲ 0.50% · 4.625%
HK$69,205
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,470/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,291
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,123
−HK$1,858/mo
Today · 4.125%
HK$71,981
baseline
▲ 0.50% · 4.625%
HK$75,775
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,962/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,846 · Scale 2, in force from 26 Feb 2026)