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$34,166
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$1,080/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,009
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,034/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,275
−HK$1,295/mo
Today · 4.125%
HK$43,570
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,652/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,140/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,611
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,241/mo
Today · 4.125%
HK$48,076
baseline
▲ 0.50% · 4.625%
HK$50,610
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,152/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,833
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,320
−HK$1,512/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$3,093/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,213
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,640
−HK$1,448/mo
Today · 4.125%
HK$56,088
baseline
▲ 0.50% · 4.625%
HK$59,045
+HK$2,957/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,176/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,499
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,412
−HK$1,944/mo
Today · 4.125%
HK$65,356
baseline
▲ 0.50% · 4.625%
HK$69,332
+HK$3,976/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,712/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,417
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,252
−HK$1,861/mo
Today · 4.125%
HK$72,113
baseline
▲ 0.50% · 4.625%
HK$75,915
+HK$3,802/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,226/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,880 · Scale 2, in force from 26 Feb 2026)