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$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$1,078/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,437
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,929
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,032/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,293/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,736
−HK$1,238/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,732
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,216
−HK$1,509/mo
Today · 4.125%
HK$50,725
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$3,086/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,450/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,101
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,525
−HK$1,445/mo
Today · 4.125%
HK$55,970
baseline
▲ 0.50% · 4.625%
HK$58,920
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,940/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,278
−HK$1,939/mo
Today · 4.125%
HK$65,217
baseline
▲ 0.50% · 4.625%
HK$69,186
+HK$3,969/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,434/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,273
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,104
−HK$1,857/mo
Today · 4.125%
HK$71,961
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$3,793/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,922/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,693 · Scale 2, in force from 26 Feb 2026)