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$34,128
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,078/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,985
−HK$1,033/mo
Today · 4.125%
HK$40,018
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,036/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,227
−HK$1,295/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,170
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,560
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,782
−HK$1,240/mo
Today · 4.125%
HK$48,022
baseline
▲ 0.50% · 4.625%
HK$50,553
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,044/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,779
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,265
−HK$1,510/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,865
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,154
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,579
−HK$1,447/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$58,979
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,430
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,341
−HK$1,942/mo
Today · 4.125%
HK$65,283
baseline
▲ 0.50% · 4.625%
HK$69,255
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,566/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,341
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,174
−HK$1,859/mo
Today · 4.125%
HK$72,033
baseline
▲ 0.50% · 4.625%
HK$75,830
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,066/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,253 · Scale 2, in force from 26 Feb 2026)