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$34,179
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$1,080/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$2,211/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,024
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,034/mo
Today · 4.125%
HK$40,078
baseline
▲ 0.50% · 4.625%
HK$42,191
+HK$2,113/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,156/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,015
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,291
−HK$1,296/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$46,239
+HK$2,652/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,629
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,852
−HK$1,242/mo
Today · 4.125%
HK$48,094
baseline
▲ 0.50% · 4.625%
HK$50,629
+HK$2,535/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,188/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,851
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,339
−HK$1,512/mo
Today · 4.125%
HK$50,851
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$3,095/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,702/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,234
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,661
−HK$1,449/mo
Today · 4.125%
HK$56,110
baseline
▲ 0.50% · 4.625%
HK$59,067
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,220/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,436
−HK$1,944/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$69,359
+HK$3,979/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,443
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,279
−HK$1,862/mo
Today · 4.125%
HK$72,141
baseline
▲ 0.50% · 4.625%
HK$75,944
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,282/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,094 · Scale 2, in force from 26 Feb 2026)