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$34,111
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$1,078/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,033/mo
Today · 4.125%
HK$39,999
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,998/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,934
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,207
−HK$1,294/mo
Today · 4.125%
HK$43,501
baseline
▲ 0.50% · 4.625%
HK$46,147
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,002/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,760
−HK$1,239/mo
Today · 4.125%
HK$47,999
baseline
▲ 0.50% · 4.625%
HK$50,529
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$95,998/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,756
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,241
−HK$1,510/mo
Today · 4.125%
HK$50,751
baseline
▲ 0.50% · 4.625%
HK$53,839
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,502/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,128
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,553
−HK$1,445/mo
Today · 4.125%
HK$55,998
baseline
▲ 0.50% · 4.625%
HK$58,950
+HK$2,952/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,996/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,400
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,310
−HK$1,941/mo
Today · 4.125%
HK$65,251
baseline
▲ 0.50% · 4.625%
HK$69,221
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,502/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,307
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,139
−HK$1,859/mo
Today · 4.125%
HK$71,998
baseline
▲ 0.50% · 4.625%
HK$75,793
+HK$3,795/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,996/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,980 · Scale 2, in force from 26 Feb 2026)