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$34,120
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$1,078/mo
Today · 4.125%
HK$36,259
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,518/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,032/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,117
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,294/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$46,159
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,239/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,510/mo
Today · 4.125%
HK$50,763
baseline
▲ 0.50% · 4.625%
HK$53,852
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,526/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,446/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$58,964
+HK$2,952/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,415
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,941/mo
Today · 4.125%
HK$65,267
baseline
▲ 0.50% · 4.625%
HK$69,238
+HK$3,971/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,534/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,324
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,156
−HK$1,859/mo
Today · 4.125%
HK$72,015
baseline
▲ 0.50% · 4.625%
HK$75,811
+HK$3,796/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,030/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,115 · Scale 2, in force from 26 Feb 2026)