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$34,154
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$1,079/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,996
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,033/mo
Today · 4.125%
HK$40,049
baseline
▲ 0.50% · 4.625%
HK$42,160
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,098/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,295/mo
Today · 4.125%
HK$43,555
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,110/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,596
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,819
−HK$1,240/mo
Today · 4.125%
HK$48,059
baseline
▲ 0.50% · 4.625%
HK$50,592
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,118/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,816
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,511/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,195
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,447/mo
Today · 4.125%
HK$56,069
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$2,956/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,138/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,390
−HK$1,943/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,976/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,666/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,394
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,228
−HK$1,861/mo
Today · 4.125%
HK$72,089
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,178/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,688 · Scale 2, in force from 26 Feb 2026)