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$34,098
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,077/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,441
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,032/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,918
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,191
−HK$1,293/mo
Today · 4.125%
HK$43,484
baseline
▲ 0.50% · 4.625%
HK$46,130
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,968/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,521
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,239/mo
Today · 4.125%
HK$47,980
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,960/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,509/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,445/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$58,927
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,377
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,286
−HK$1,940/mo
Today · 4.125%
HK$65,226
baseline
▲ 0.50% · 4.625%
HK$69,194
+HK$3,968/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,452/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,281
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,112
−HK$1,858/mo
Today · 4.125%
HK$71,970
baseline
▲ 0.50% · 4.625%
HK$75,764
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,940/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,763 · Scale 2, in force from 26 Feb 2026)