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$34,180
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$1,081/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,534
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,035/mo
Today · 4.125%
HK$40,080
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,160/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,016
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,296/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$46,241
+HK$2,653/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,241/mo
Today · 4.125%
HK$48,095
baseline
▲ 0.50% · 4.625%
HK$50,631
+HK$2,536/mo
Deposit HK$6.00M · loan HK$8.99M · min. income ≈ HK$96,190/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,852
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,512/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$3,094/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,448/mo
Today · 4.125%
HK$56,111
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$2,958/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,222/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,524
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,438
−HK$1,945/mo
Today · 4.125%
HK$65,383
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,978/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,766/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$1,862/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$75,946
+HK$3,803/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,113 · Scale 2, in force from 26 Feb 2026)