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$34,114
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$1,078/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,952
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,970
−HK$1,032/mo
Today · 4.125%
HK$40,002
baseline
▲ 0.50% · 4.625%
HK$42,111
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,004/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,937
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,294/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$46,152
+HK$2,647/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,542
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,764
−HK$1,239/mo
Today · 4.125%
HK$48,003
baseline
▲ 0.50% · 4.625%
HK$50,533
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$96,006/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,760
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,246
−HK$1,509/mo
Today · 4.125%
HK$50,755
baseline
▲ 0.50% · 4.625%
HK$53,844
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,510/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,133
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,558
−HK$1,445/mo
Today · 4.125%
HK$56,003
baseline
▲ 0.50% · 4.625%
HK$58,955
+HK$2,952/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,006/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,406
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,316
−HK$1,941/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$69,227
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,314
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,146
−HK$1,858/mo
Today · 4.125%
HK$72,004
baseline
▲ 0.50% · 4.625%
HK$75,800
+HK$3,796/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$144,008/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,031 · Scale 2, in force from 26 Feb 2026)