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$34,165
−HK$2,142/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$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,053/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$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,296/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,609
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,833
−HK$1,241/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$50,608
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,831
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,318
−HK$1,512/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,923
+HK$3,093/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,211
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,638
−HK$1,448/mo
Today · 4.125%
HK$56,086
baseline
▲ 0.50% · 4.625%
HK$59,042
+HK$2,956/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$112,172/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,496
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,409
−HK$1,944/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$69,329
+HK$3,976/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,414
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,249
−HK$1,861/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$561,857 · Scale 2, in force from 26 Feb 2026)