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$34,127
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$1,079/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,033/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,226
−HK$1,294/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$46,169
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,559
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,781
−HK$1,239/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,552
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,778
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,264
−HK$1,510/mo
Today · 4.125%
HK$50,774
baseline
▲ 0.50% · 4.625%
HK$53,863
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,548/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,152
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,578
−HK$1,446/mo
Today · 4.125%
HK$56,024
baseline
▲ 0.50% · 4.625%
HK$58,977
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,048/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,339
−HK$1,942/mo
Today · 4.125%
HK$65,281
baseline
▲ 0.50% · 4.625%
HK$69,253
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,562/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,171
−HK$1,860/mo
Today · 4.125%
HK$72,031
baseline
▲ 0.50% · 4.625%
HK$75,828
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,062/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,236 · Scale 2, in force from 26 Feb 2026)