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$34,168
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$1,080/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,034/mo
Today · 4.125%
HK$40,065
baseline
▲ 0.50% · 4.625%
HK$42,177
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,130/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,296/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$46,224
+HK$2,652/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,837
−HK$1,241/mo
Today · 4.125%
HK$48,078
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,156/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,835
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,323
−HK$1,511/mo
Today · 4.125%
HK$50,834
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$3,093/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,668/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,216
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,448/mo
Today · 4.125%
HK$56,091
baseline
▲ 0.50% · 4.625%
HK$59,047
+HK$2,956/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,182/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,502
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,415
−HK$1,943/mo
Today · 4.125%
HK$65,358
baseline
▲ 0.50% · 4.625%
HK$69,335
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,716/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,420
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,255
−HK$1,862/mo
Today · 4.125%
HK$72,117
baseline
▲ 0.50% · 4.625%
HK$75,918
+HK$3,801/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,234/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,904 · Scale 2, in force from 26 Feb 2026)