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$34,132
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$1,079/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,033/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,110/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,959
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,233
−HK$1,294/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$46,176
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,566
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,240/mo
Today · 4.125%
HK$48,028
baseline
▲ 0.50% · 4.625%
HK$50,560
+HK$2,532/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,056/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,510/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,586
−HK$1,447/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$58,986
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,438
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,349
−HK$1,942/mo
Today · 4.125%
HK$65,291
baseline
▲ 0.50% · 4.625%
HK$69,264
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,582/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,349
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,183
−HK$1,859/mo
Today · 4.125%
HK$72,042
baseline
▲ 0.50% · 4.625%
HK$75,840
+HK$3,798/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,084/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,325 · Scale 2, in force from 26 Feb 2026)