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$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,185
−HK$1,079/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,033/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,949
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,294/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$46,165
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,555
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,777
−HK$1,239/mo
Today · 4.125%
HK$48,016
baseline
▲ 0.50% · 4.625%
HK$50,547
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,032/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,774
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,260
−HK$1,509/mo
Today · 4.125%
HK$50,769
baseline
▲ 0.50% · 4.625%
HK$53,859
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,538/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,148
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,446/mo
Today · 4.125%
HK$56,019
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,038/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,423
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,334
−HK$1,941/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$69,247
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,333
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,165
−HK$1,860/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$75,821
+HK$3,796/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,188 · Scale 2, in force from 26 Feb 2026)