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$34,148
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$1,079/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,033/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,152
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,977
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,252
−HK$1,295/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$46,197
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,587
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,809
−HK$1,241/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,582
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,807
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,294
−HK$1,511/mo
Today · 4.125%
HK$50,805
baseline
▲ 0.50% · 4.625%
HK$53,896
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,610/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,611
−HK$1,447/mo
Today · 4.125%
HK$56,058
baseline
▲ 0.50% · 4.625%
HK$59,013
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,116/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,466
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,378
−HK$1,942/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$69,295
+HK$3,975/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,380
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,214
−HK$1,860/mo
Today · 4.125%
HK$72,074
baseline
▲ 0.50% · 4.625%
HK$75,874
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,148/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,577 · Scale 2, in force from 26 Feb 2026)