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$34,113
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$1,078/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,950
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,032/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,935
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,209
−HK$1,293/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$46,149
+HK$2,647/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,540
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,761
−HK$1,239/mo
Today · 4.125%
HK$48,000
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,531/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$96,000/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,758
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,510/mo
Today · 4.125%
HK$50,753
baseline
▲ 0.50% · 4.625%
HK$53,841
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,506/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,130
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,555
−HK$1,446/mo
Today · 4.125%
HK$56,001
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,002/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,403
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,313
−HK$1,940/mo
Today · 4.125%
HK$65,253
baseline
▲ 0.50% · 4.625%
HK$69,224
+HK$3,971/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,506/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,310
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,142
−HK$1,859/mo
Today · 4.125%
HK$72,001
baseline
▲ 0.50% · 4.625%
HK$75,796
+HK$3,795/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$144,002/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,002 · Scale 2, in force from 26 Feb 2026)