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$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,185
−HK$1,079/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,962
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,033/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,949
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,294/mo
Today · 4.125%
HK$43,516
baseline
▲ 0.50% · 4.625%
HK$46,164
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,032/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,555
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,777
−HK$1,239/mo
Today · 4.125%
HK$48,016
baseline
▲ 0.50% · 4.625%
HK$50,547
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,032/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,773
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,510/mo
Today · 4.125%
HK$50,769
baseline
▲ 0.50% · 4.625%
HK$53,858
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,538/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,446/mo
Today · 4.125%
HK$56,019
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,038/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,423
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,333
−HK$1,942/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$69,246
+HK$3,971/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,332
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,165
−HK$1,859/mo
Today · 4.125%
HK$72,024
baseline
▲ 0.50% · 4.625%
HK$75,821
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,048/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,184 · Scale 2, in force from 26 Feb 2026)