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$34,137
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$1,079/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$2,207/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,977
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,033/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,110/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,964
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,294/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$46,182
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,573
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,240/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,567
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,511/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,168
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,446/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,358
−HK$1,942/mo
Today · 4.125%
HK$65,300
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,600/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,359
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,192
−HK$1,860/mo
Today · 4.125%
HK$72,052
baseline
▲ 0.50% · 4.625%
HK$75,850
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,104/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,402 · Scale 2, in force from 26 Feb 2026)