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$34,132
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$1,078/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,033/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,132
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,295/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,566
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,239/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,559
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,510/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,160
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,586
−HK$1,446/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,942/mo
Today · 4.125%
HK$65,290
baseline
▲ 0.50% · 4.625%
HK$69,263
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,580/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,181
−HK$1,860/mo
Today · 4.125%
HK$72,041
baseline
▲ 0.50% · 4.625%
HK$75,838
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,082/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,316 · Scale 2, in force from 26 Feb 2026)