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$34,133
−HK$2,141/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$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,033/mo
Today · 4.125%
HK$40,024
baseline
▲ 0.50% · 4.625%
HK$42,134
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,048/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,294/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,567
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,789
−HK$1,240/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,273
−HK$1,510/mo
Today · 4.125%
HK$50,783
baseline
▲ 0.50% · 4.625%
HK$53,873
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,566/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,162
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,588
−HK$1,446/mo
Today · 4.125%
HK$56,034
baseline
▲ 0.50% · 4.625%
HK$58,988
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,068/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,440
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,942/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,265
+HK$3,972/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$561,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,351
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$1,860/mo
Today · 4.125%
HK$72,044
baseline
▲ 0.50% · 4.625%
HK$75,841
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,088/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,338 · Scale 2, in force from 26 Feb 2026)