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$34,126
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$1,078/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,965
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,983
−HK$1,033/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,295/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,558
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,240/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,551
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,510/mo
Today · 4.125%
HK$50,773
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,546/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,151
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,577
−HK$1,446/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,427
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,338
−HK$1,941/mo
Today · 4.125%
HK$65,279
baseline
▲ 0.50% · 4.625%
HK$69,252
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,558/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,337
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,170
−HK$1,859/mo
Today · 4.125%
HK$72,029
baseline
▲ 0.50% · 4.625%
HK$75,826
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,058/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,225 · Scale 2, in force from 26 Feb 2026)