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$34,153
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,215
−HK$1,079/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,503
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,994
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,013
−HK$1,034/mo
Today · 4.125%
HK$40,047
baseline
▲ 0.50% · 4.625%
HK$42,158
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,094/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,983
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,295/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$46,203
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,593
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,816
−HK$1,240/mo
Today · 4.125%
HK$48,056
baseline
▲ 0.50% · 4.625%
HK$50,590
+HK$2,534/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,112/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,814
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,511/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,192
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,447/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,021
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,475
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,387
−HK$1,943/mo
Today · 4.125%
HK$65,330
baseline
▲ 0.50% · 4.625%
HK$69,305
+HK$3,975/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,660/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,390
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,224
−HK$1,861/mo
Today · 4.125%
HK$72,085
baseline
▲ 0.50% · 4.625%
HK$75,884
+HK$3,799/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,170/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,657 · Scale 2, in force from 26 Feb 2026)