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$34,170
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$1,079/mo
Today · 4.125%
HK$36,312
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,624/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,013
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,034/mo
Today · 4.125%
HK$40,067
baseline
▲ 0.50% · 4.625%
HK$42,179
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,134/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,279
−HK$1,296/mo
Today · 4.125%
HK$43,575
baseline
▲ 0.50% · 4.625%
HK$46,226
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,150/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,616
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,241/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$50,615
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,838
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,326
−HK$1,511/mo
Today · 4.125%
HK$50,837
baseline
▲ 0.50% · 4.625%
HK$53,931
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,674/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,219
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,646
−HK$1,448/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,051
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,506
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,419
−HK$1,943/mo
Today · 4.125%
HK$65,362
baseline
▲ 0.50% · 4.625%
HK$69,340
+HK$3,978/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,724/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,424
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,259
−HK$1,862/mo
Today · 4.125%
HK$72,121
baseline
▲ 0.50% · 4.625%
HK$75,923
+HK$3,802/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,242/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,940 · Scale 2, in force from 26 Feb 2026)