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$34,130
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$1,078/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,033/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,130
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,295/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,563
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,785
−HK$1,240/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,782
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,269
−HK$1,510/mo
Today · 4.125%
HK$50,779
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,558/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,157
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,583
−HK$1,446/mo
Today · 4.125%
HK$56,029
baseline
▲ 0.50% · 4.625%
HK$58,983
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,058/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,434
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,345
−HK$1,942/mo
Today · 4.125%
HK$65,287
baseline
▲ 0.50% · 4.625%
HK$69,259
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,574/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,345
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,178
−HK$1,860/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$75,835
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,290 · Scale 2, in force from 26 Feb 2026)