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$34,155
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$1,080/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,997
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,034/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,986
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,261
−HK$1,295/mo
Today · 4.125%
HK$43,556
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,112/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,596
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,819
−HK$1,241/mo
Today · 4.125%
HK$48,060
baseline
▲ 0.50% · 4.625%
HK$50,593
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,120/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,817
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,511/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,448/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,479
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,943/mo
Today · 4.125%
HK$65,334
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,975/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,668/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,394
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,229
−HK$1,860/mo
Today · 4.125%
HK$72,089
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,178/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,693 · Scale 2, in force from 26 Feb 2026)