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$34,138
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$1,079/mo
Today · 4.125%
HK$36,279
baseline
▲ 0.50% · 4.625%
HK$38,486
+HK$2,207/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,558/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,997
−HK$1,033/mo
Today · 4.125%
HK$40,030
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,110/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,060/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,966
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,240
−HK$1,295/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,796
−HK$1,240/mo
Today · 4.125%
HK$48,036
baseline
▲ 0.50% · 4.625%
HK$50,568
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,072/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,793
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,280
−HK$1,510/mo
Today · 4.125%
HK$50,790
baseline
▲ 0.50% · 4.625%
HK$53,881
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,580/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,170
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,596
−HK$1,446/mo
Today · 4.125%
HK$56,042
baseline
▲ 0.50% · 4.625%
HK$58,996
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,084/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,449
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,360
−HK$1,942/mo
Today · 4.125%
HK$65,302
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,604/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,361
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,194
−HK$1,860/mo
Today · 4.125%
HK$72,054
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,108/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,419 · Scale 2, in force from 26 Feb 2026)