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$34,145
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$1,079/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,005
−HK$1,033/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,149
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,249
−HK$1,295/mo
Today · 4.125%
HK$43,544
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,088/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,806
−HK$1,240/mo
Today · 4.125%
HK$48,046
baseline
▲ 0.50% · 4.625%
HK$50,579
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,092/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,803
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,290
−HK$1,511/mo
Today · 4.125%
HK$50,801
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,602/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,607
−HK$1,447/mo
Today · 4.125%
HK$56,054
baseline
▲ 0.50% · 4.625%
HK$59,009
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,108/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,461
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,373
−HK$1,943/mo
Today · 4.125%
HK$65,316
baseline
▲ 0.50% · 4.625%
HK$69,290
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,632/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,375
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,209
−HK$1,860/mo
Today · 4.125%
HK$72,069
baseline
▲ 0.50% · 4.625%
HK$75,868
+HK$3,799/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,138/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,536 · Scale 2, in force from 26 Feb 2026)