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$34,101
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$1,078/mo
Today · 4.125%
HK$36,240
baseline
▲ 0.50% · 4.625%
HK$38,445
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,480/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,032/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,921
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,194
−HK$1,294/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$46,134
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,525
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,746
−HK$1,238/mo
Today · 4.125%
HK$47,984
baseline
▲ 0.50% · 4.625%
HK$50,514
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,509/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,823
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,112
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,445/mo
Today · 4.125%
HK$55,982
baseline
▲ 0.50% · 4.625%
HK$58,933
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,964/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,382
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,939/mo
Today · 4.125%
HK$65,231
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,462/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$1,857/mo
Today · 4.125%
HK$71,976
baseline
▲ 0.50% · 4.625%
HK$75,770
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,952/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,813 · Scale 2, in force from 26 Feb 2026)