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$35,153
−HK$1,078/mo
Today · 4.125%
HK$36,231
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$2,204/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$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,032/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,107/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,184
−HK$1,293/mo
Today · 4.125%
HK$43,477
baseline
▲ 0.50% · 4.625%
HK$46,122
+HK$2,645/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$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,514
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,734
−HK$1,239/mo
Today · 4.125%
HK$47,973
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,528/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$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,730
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,215
−HK$1,508/mo
Today · 4.125%
HK$50,723
baseline
▲ 0.50% · 4.625%
HK$53,810
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,446/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,099
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,523
−HK$1,445/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,367
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,939/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$69,184
+HK$3,969/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,270
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$1,858/mo
Today · 4.125%
HK$71,959
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$3,793/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,918/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,676 · Scale 2, in force from 26 Feb 2026)