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$34,134
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$1,078/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,482
+HK$2,208/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,974
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,033/mo
Today · 4.125%
HK$40,025
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,050/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,961
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,235
−HK$1,294/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,240/mo
Today · 4.125%
HK$48,030
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,060/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,274
−HK$1,510/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,446/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$58,989
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,441
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,942/mo
Today · 4.125%
HK$65,294
baseline
▲ 0.50% · 4.625%
HK$69,267
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,588/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,186
−HK$1,859/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$75,843
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,350 · Scale 2, in force from 26 Feb 2026)