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$34,164
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,227
−HK$1,080/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,034/mo
Today · 4.125%
HK$40,061
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,122/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,997
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,296/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,609
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,241/mo
Today · 4.125%
HK$48,073
baseline
▲ 0.50% · 4.625%
HK$50,607
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,146/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,830
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,511/mo
Today · 4.125%
HK$50,829
baseline
▲ 0.50% · 4.625%
HK$53,922
+HK$3,093/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$101,658/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,210
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,637
−HK$1,448/mo
Today · 4.125%
HK$56,085
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$2,957/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$112,170/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,496
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,409
−HK$1,943/mo
Today · 4.125%
HK$65,352
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,704/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,248
−HK$1,862/mo
Today · 4.125%
HK$72,110
baseline
▲ 0.50% · 4.625%
HK$75,911
+HK$3,801/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,220/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,850 · Scale 2, in force from 26 Feb 2026)