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$34,163
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$1,079/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,006
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,034/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,295/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$46,217
+HK$2,651/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,607
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,830
−HK$1,241/mo
Today · 4.125%
HK$48,071
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,142/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,828
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,316
−HK$1,511/mo
Today · 4.125%
HK$50,827
baseline
▲ 0.50% · 4.625%
HK$53,920
+HK$3,093/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$101,654/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,208
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,635
−HK$1,448/mo
Today · 4.125%
HK$56,083
baseline
▲ 0.50% · 4.625%
HK$59,039
+HK$2,956/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$112,166/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,493
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,406
−HK$1,943/mo
Today · 4.125%
HK$65,349
baseline
▲ 0.50% · 4.625%
HK$69,326
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,698/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,410
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,245
−HK$1,862/mo
Today · 4.125%
HK$72,107
baseline
▲ 0.50% · 4.625%
HK$75,907
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,214/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,826 · Scale 2, in force from 26 Feb 2026)