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$34,167
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$1,079/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,519
+HK$2,210/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,034/mo
Today · 4.125%
HK$40,064
baseline
▲ 0.50% · 4.625%
HK$42,176
+HK$2,112/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,128/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,000
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,295/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,652/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,612
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,241/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$50,611
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,834
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,322
−HK$1,511/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,926
+HK$3,093/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,214
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,642
−HK$1,448/mo
Today · 4.125%
HK$56,090
baseline
▲ 0.50% · 4.625%
HK$59,046
+HK$2,956/mo
Deposit HK$4.50M · loan HK$10.49M · min. income ≈ HK$112,180/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,500
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,944/mo
Today · 4.125%
HK$65,357
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,977/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$130,714/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,419
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,254
−HK$1,861/mo
Today · 4.125%
HK$72,115
baseline
▲ 0.50% · 4.625%
HK$75,916
+HK$3,801/mo
Deposit HK$1.50M · loan HK$13.49M · min. income ≈ HK$144,230/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,893 · Scale 2, in force from 26 Feb 2026)