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$34,093
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$1,077/mo
Today · 4.125%
HK$36,231
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,462/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,032/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,085
+HK$2,107/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,292/mo
Today · 4.125%
HK$43,477
baseline
▲ 0.50% · 4.625%
HK$46,123
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,954/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,514
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,238/mo
Today · 4.125%
HK$47,973
baseline
▲ 0.50% · 4.625%
HK$50,502
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,946/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,509/mo
Today · 4.125%
HK$50,724
baseline
▲ 0.50% · 4.625%
HK$53,810
+HK$3,086/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,448/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,100
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,524
−HK$1,445/mo
Today · 4.125%
HK$55,969
baseline
▲ 0.50% · 4.625%
HK$58,919
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,938/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,277
−HK$1,939/mo
Today · 4.125%
HK$65,216
baseline
▲ 0.50% · 4.625%
HK$69,184
+HK$3,968/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,432/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$1,858/mo
Today · 4.125%
HK$71,960
baseline
▲ 0.50% · 4.625%
HK$75,753
+HK$3,793/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,920/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,682 · Scale 2, in force from 26 Feb 2026)