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$34,115
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$1,078/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,032/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,212
−HK$1,293/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$46,153
+HK$2,648/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,543
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,239/mo
Today · 4.125%
HK$48,004
baseline
▲ 0.50% · 4.625%
HK$50,534
+HK$2,530/mo
Deposit HK$5.98M · loan HK$8.98M · min. income ≈ HK$96,008/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,761
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,247
−HK$1,509/mo
Today · 4.125%
HK$50,756
baseline
▲ 0.50% · 4.625%
HK$53,845
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,512/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,134
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,559
−HK$1,446/mo
Today · 4.125%
HK$56,005
baseline
▲ 0.50% · 4.625%
HK$58,957
+HK$2,952/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,010/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,407
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,317
−HK$1,941/mo
Today · 4.125%
HK$65,258
baseline
▲ 0.50% · 4.625%
HK$69,229
+HK$3,971/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,516/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,315
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,147
−HK$1,859/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$75,801
+HK$3,795/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,042 · Scale 2, in force from 26 Feb 2026)