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$34,136
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,079/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,207/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,033/mo
Today · 4.125%
HK$40,027
baseline
▲ 0.50% · 4.625%
HK$42,137
+HK$2,110/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,054/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,963
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,294/mo
Today · 4.125%
HK$43,531
baseline
▲ 0.50% · 4.625%
HK$46,180
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,062/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,571
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,793
−HK$1,240/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,564
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,790
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,276
−HK$1,511/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,877
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,166
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,592
−HK$1,446/mo
Today · 4.125%
HK$56,038
baseline
▲ 0.50% · 4.625%
HK$58,992
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,076/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,444
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,942/mo
Today · 4.125%
HK$65,297
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,594/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,356
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,189
−HK$1,860/mo
Today · 4.125%
HK$72,049
baseline
▲ 0.50% · 4.625%
HK$75,847
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,098/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,377 · Scale 2, in force from 26 Feb 2026)