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$34,131
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,193
−HK$1,079/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,033/mo
Today · 4.125%
HK$40,022
baseline
▲ 0.50% · 4.625%
HK$42,132
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,044/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,294/mo
Today · 4.125%
HK$43,526
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,052/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,565
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,787
−HK$1,240/mo
Today · 4.125%
HK$48,027
baseline
▲ 0.50% · 4.625%
HK$50,558
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,784
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,270
−HK$1,510/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,870
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,159
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,446/mo
Today · 4.125%
HK$56,031
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,062/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,437
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,348
−HK$1,941/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$69,262
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,348
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,181
−HK$1,859/mo
Today · 4.125%
HK$72,040
baseline
▲ 0.50% · 4.625%
HK$75,837
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,080/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,309 · Scale 2, in force from 26 Feb 2026)