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$34,171
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$1,080/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,034/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,006
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,296/mo
Today · 4.125%
HK$43,577
baseline
▲ 0.50% · 4.625%
HK$46,229
+HK$2,652/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,154/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,618
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,842
−HK$1,241/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,840
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,328
−HK$1,512/mo
Today · 4.125%
HK$50,840
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$3,093/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,680/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,221
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,649
−HK$1,448/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,054
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,194/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,508
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,422
−HK$1,943/mo
Today · 4.125%
HK$65,365
baseline
▲ 0.50% · 4.625%
HK$69,343
+HK$3,978/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,730/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,427
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,263
−HK$1,861/mo
Today · 4.125%
HK$72,124
baseline
▲ 0.50% · 4.625%
HK$75,926
+HK$3,802/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,248/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,966 · Scale 2, in force from 26 Feb 2026)