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$2,140/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$1,079/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,969
−HK$1,032/mo
Today · 4.125%
HK$40,001
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,002/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,209
−HK$1,294/mo
Today · 4.125%
HK$43,503
baseline
▲ 0.50% · 4.625%
HK$46,150
+HK$2,647/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,006/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,541
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,762
−HK$1,239/mo
Today · 4.125%
HK$48,001
baseline
▲ 0.50% · 4.625%
HK$50,532
+HK$2,531/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$96,002/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,759
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,244
−HK$1,510/mo
Today · 4.125%
HK$50,754
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,508/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,131
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,556
−HK$1,446/mo
Today · 4.125%
HK$56,002
baseline
▲ 0.50% · 4.625%
HK$58,953
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,004/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,941/mo
Today · 4.125%
HK$65,255
baseline
▲ 0.50% · 4.625%
HK$69,225
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,510/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,311
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,143
−HK$1,859/mo
Today · 4.125%
HK$72,002
baseline
▲ 0.50% · 4.625%
HK$75,797
+HK$3,795/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$144,004/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,012 · Scale 2, in force from 26 Feb 2026)