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$34,174
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,237
−HK$1,080/mo
Today · 4.125%
HK$36,317
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,634/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,018
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,034/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,113/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,296/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,622
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,846
−HK$1,241/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$50,622
+HK$2,535/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,512/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,226
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,448/mo
Today · 4.125%
HK$56,101
baseline
▲ 0.50% · 4.625%
HK$59,058
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,202/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,513
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,427
−HK$1,944/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$69,348
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,433
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$1,862/mo
Today · 4.125%
HK$72,130
baseline
▲ 0.50% · 4.625%
HK$75,932
+HK$3,802/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,260/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,011 · Scale 2, in force from 26 Feb 2026)