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$34,134
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,195
−HK$1,079/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,481
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,033/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,295/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,240/mo
Today · 4.125%
HK$48,030
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,060/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,511/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,588
−HK$1,447/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$58,988
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,440
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,941/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,352
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,185
−HK$1,860/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$75,842
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,344 · Scale 2, in force from 26 Feb 2026)