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$34,104
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,165
−HK$1,078/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,448
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,033/mo
Today · 4.125%
HK$39,991
baseline
▲ 0.50% · 4.625%
HK$42,098
+HK$2,107/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,982/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,925
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,198
−HK$1,294/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$46,138
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,529
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,750
−HK$1,239/mo
Today · 4.125%
HK$47,989
baseline
▲ 0.50% · 4.625%
HK$50,518
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,978/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,746
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,509/mo
Today · 4.125%
HK$50,740
baseline
▲ 0.50% · 4.625%
HK$53,828
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,480/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,117
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,542
−HK$1,445/mo
Today · 4.125%
HK$55,987
baseline
▲ 0.50% · 4.625%
HK$58,938
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,974/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,388
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,297
−HK$1,940/mo
Today · 4.125%
HK$65,237
baseline
▲ 0.50% · 4.625%
HK$69,207
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,474/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,293
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,125
−HK$1,858/mo
Today · 4.125%
HK$71,983
baseline
▲ 0.50% · 4.625%
HK$75,777
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,966/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,863 · Scale 2, in force from 26 Feb 2026)