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$34,129
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$1,079/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,969
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,033/mo
Today · 4.125%
HK$40,020
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,040/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,955
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,229
−HK$1,295/mo
Today · 4.125%
HK$43,524
baseline
▲ 0.50% · 4.625%
HK$46,172
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,048/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,562
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,784
−HK$1,240/mo
Today · 4.125%
HK$48,024
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,048/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,510/mo
Today · 4.125%
HK$50,777
baseline
▲ 0.50% · 4.625%
HK$53,867
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,554/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,446/mo
Today · 4.125%
HK$56,028
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$2,953/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,056/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,433
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,941/mo
Today · 4.125%
HK$65,285
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,570/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,343
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,176
−HK$1,860/mo
Today · 4.125%
HK$72,036
baseline
▲ 0.50% · 4.625%
HK$75,833
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,072/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,276 · Scale 2, in force from 26 Feb 2026)