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$34,111
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$1,078/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,948
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,032/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,933
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,206
−HK$1,294/mo
Today · 4.125%
HK$43,500
baseline
▲ 0.50% · 4.625%
HK$46,147
+HK$2,647/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,000/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,759
−HK$1,239/mo
Today · 4.125%
HK$47,998
baseline
▲ 0.50% · 4.625%
HK$50,528
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$95,996/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,755
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,241
−HK$1,509/mo
Today · 4.125%
HK$50,750
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,500/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,127
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,552
−HK$1,446/mo
Today · 4.125%
HK$55,998
baseline
▲ 0.50% · 4.625%
HK$58,949
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,996/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,400
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,310
−HK$1,940/mo
Today · 4.125%
HK$65,250
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,500/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,306
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$1,859/mo
Today · 4.125%
HK$71,997
baseline
▲ 0.50% · 4.625%
HK$75,792
+HK$3,795/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,994/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,972 · Scale 2, in force from 26 Feb 2026)