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$34,105
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$1,078/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,449
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,959
−HK$1,033/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,926
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,199
−HK$1,294/mo
Today · 4.125%
HK$43,493
baseline
▲ 0.50% · 4.625%
HK$46,139
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,986/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,530
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,751
−HK$1,239/mo
Today · 4.125%
HK$47,990
baseline
▲ 0.50% · 4.625%
HK$50,519
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,980/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,747
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,232
−HK$1,509/mo
Today · 4.125%
HK$50,741
baseline
▲ 0.50% · 4.625%
HK$53,829
+HK$3,088/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,482/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,118
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,543
−HK$1,445/mo
Today · 4.125%
HK$55,988
baseline
▲ 0.50% · 4.625%
HK$58,939
+HK$2,951/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,976/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,389
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,940/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$69,209
+HK$3,970/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$1,858/mo
Today · 4.125%
HK$71,985
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,970/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,878 · Scale 2, in force from 26 Feb 2026)