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$34,142
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,204
−HK$1,079/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,033/mo
Today · 4.125%
HK$40,035
baseline
▲ 0.50% · 4.625%
HK$42,146
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,070/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,245
−HK$1,295/mo
Today · 4.125%
HK$43,540
baseline
▲ 0.50% · 4.625%
HK$46,189
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,080/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,580
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,802
−HK$1,240/mo
Today · 4.125%
HK$48,042
baseline
▲ 0.50% · 4.625%
HK$50,575
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,084/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,799
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,286
−HK$1,511/mo
Today · 4.125%
HK$50,797
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,594/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,176
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,447/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,456
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,368
−HK$1,942/mo
Today · 4.125%
HK$65,310
baseline
▲ 0.50% · 4.625%
HK$69,284
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,620/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,370
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,203
−HK$1,860/mo
Today · 4.125%
HK$72,063
baseline
▲ 0.50% · 4.625%
HK$75,862
+HK$3,799/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,126/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,490 · Scale 2, in force from 26 Feb 2026)