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$34,135
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,078/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,208/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,033/mo
Today · 4.125%
HK$40,026
baseline
▲ 0.50% · 4.625%
HK$42,136
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,052/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,962
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,236
−HK$1,294/mo
Today · 4.125%
HK$43,530
baseline
▲ 0.50% · 4.625%
HK$46,179
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,060/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,570
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,792
−HK$1,240/mo
Today · 4.125%
HK$48,032
baseline
▲ 0.50% · 4.625%
HK$50,563
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,064/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,789
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,275
−HK$1,511/mo
Today · 4.125%
HK$50,786
baseline
▲ 0.50% · 4.625%
HK$53,876
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,572/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,165
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,590
−HK$1,447/mo
Today · 4.125%
HK$56,037
baseline
▲ 0.50% · 4.625%
HK$58,991
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,074/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,354
−HK$1,942/mo
Today · 4.125%
HK$65,296
baseline
▲ 0.50% · 4.625%
HK$69,269
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,592/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,354
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$1,859/mo
Today · 4.125%
HK$72,047
baseline
▲ 0.50% · 4.625%
HK$75,845
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,094/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,366 · Scale 2, in force from 26 Feb 2026)