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$34,122
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,183
−HK$1,078/mo
Today · 4.125%
HK$36,261
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,522/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,960
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,033/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,120
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,946
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,220
−HK$1,294/mo
Today · 4.125%
HK$43,514
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,647/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,028/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,552
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,774
−HK$1,239/mo
Today · 4.125%
HK$48,013
baseline
▲ 0.50% · 4.625%
HK$50,544
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,026/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,770
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,510/mo
Today · 4.125%
HK$50,766
baseline
▲ 0.50% · 4.625%
HK$53,855
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,532/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,569
−HK$1,446/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$58,968
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,419
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,329
−HK$1,941/mo
Today · 4.125%
HK$65,270
baseline
▲ 0.50% · 4.625%
HK$69,242
+HK$3,972/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,540/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,328
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,160
−HK$1,859/mo
Today · 4.125%
HK$72,019
baseline
▲ 0.50% · 4.625%
HK$75,816
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,038/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,147 · Scale 2, in force from 26 Feb 2026)