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$34,102
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,163
−HK$1,078/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,446
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,956
−HK$1,032/mo
Today · 4.125%
HK$39,988
baseline
▲ 0.50% · 4.625%
HK$42,096
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,976/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,923
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,293/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,526
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,239/mo
Today · 4.125%
HK$47,986
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,972/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,743
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,508/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,825
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,114
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,539
−HK$1,445/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,384
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,294
−HK$1,940/mo
Today · 4.125%
HK$65,234
baseline
▲ 0.50% · 4.625%
HK$69,203
+HK$3,969/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,468/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,290
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,121
−HK$1,858/mo
Today · 4.125%
HK$71,979
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,958/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,833 · Scale 2, in force from 26 Feb 2026)