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$34,155
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$1,079/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,997
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,033/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,986
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,261
−HK$1,296/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$46,207
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,597
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,820
−HK$1,240/mo
Today · 4.125%
HK$48,060
baseline
▲ 0.50% · 4.625%
HK$50,594
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,120/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,817
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,305
−HK$1,511/mo
Today · 4.125%
HK$50,816
baseline
▲ 0.50% · 4.625%
HK$53,908
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$101,632/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,623
−HK$1,447/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,026
+HK$2,956/mo
Deposit HK$4.49M · loan HK$10.49M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,480
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,392
−HK$1,943/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,975/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,395
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,230
−HK$1,861/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$75,891
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,703 · Scale 2, in force from 26 Feb 2026)