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$34,123
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$1,079/mo
Today · 4.125%
HK$36,263
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,526/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,032/mo
Today · 4.125%
HK$40,012
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,024/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,948
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,294/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,775
−HK$1,240/mo
Today · 4.125%
HK$48,015
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,030/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,772
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,258
−HK$1,510/mo
Today · 4.125%
HK$50,768
baseline
▲ 0.50% · 4.625%
HK$53,857
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,536/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,146
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,446/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$58,970
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,421
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,332
−HK$1,941/mo
Today · 4.125%
HK$65,273
baseline
▲ 0.50% · 4.625%
HK$69,245
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,546/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,331
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,163
−HK$1,859/mo
Today · 4.125%
HK$72,022
baseline
▲ 0.50% · 4.625%
HK$75,819
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,044/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,171 · Scale 2, in force from 26 Feb 2026)