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$34,149
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,212
−HK$1,079/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,499
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,033/mo
Today · 4.125%
HK$40,043
baseline
▲ 0.50% · 4.625%
HK$42,154
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,086/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,979
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,295/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$46,199
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,589
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,240/mo
Today · 4.125%
HK$48,052
baseline
▲ 0.50% · 4.625%
HK$50,585
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,104/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,809
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,296
−HK$1,511/mo
Today · 4.125%
HK$50,807
baseline
▲ 0.50% · 4.625%
HK$53,899
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,614/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,187
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,614
−HK$1,447/mo
Today · 4.125%
HK$56,061
baseline
▲ 0.50% · 4.625%
HK$59,016
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,122/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,469
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,381
−HK$1,943/mo
Today · 4.125%
HK$65,324
baseline
▲ 0.50% · 4.625%
HK$69,298
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,648/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,384
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,218
−HK$1,860/mo
Today · 4.125%
HK$72,078
baseline
▲ 0.50% · 4.625%
HK$75,878
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,156/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,606 · Scale 2, in force from 26 Feb 2026)