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$34,169
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$1,080/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,521
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,032
−HK$1,034/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,002
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,296/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$46,225
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,838
−HK$1,241/mo
Today · 4.125%
HK$48,079
baseline
▲ 0.50% · 4.625%
HK$50,613
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,158/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,836
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,324
−HK$1,512/mo
Today · 4.125%
HK$50,836
baseline
▲ 0.50% · 4.625%
HK$53,929
+HK$3,093/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,672/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,217
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,644
−HK$1,448/mo
Today · 4.125%
HK$56,092
baseline
▲ 0.50% · 4.625%
HK$59,049
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,184/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,503
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,417
−HK$1,943/mo
Today · 4.125%
HK$65,360
baseline
▲ 0.50% · 4.625%
HK$69,337
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,720/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,422
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,257
−HK$1,862/mo
Today · 4.125%
HK$72,119
baseline
▲ 0.50% · 4.625%
HK$75,920
+HK$3,801/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,238/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,921 · Scale 2, in force from 26 Feb 2026)