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$34,086
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,146
−HK$1,077/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,427
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,920
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,937
−HK$1,031/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,107/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,903
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,175
−HK$1,293/mo
Today · 4.125%
HK$43,468
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,936/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,504
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,238/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,720
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,204
−HK$1,508/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,798
+HK$3,086/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,088
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,445/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,354
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,262
−HK$1,939/mo
Today · 4.125%
HK$65,201
baseline
▲ 0.50% · 4.625%
HK$69,169
+HK$3,968/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,402/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,256
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$1,857/mo
Today · 4.125%
HK$71,943
baseline
▲ 0.50% · 4.625%
HK$75,735
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,886/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,554 · Scale 2, in force from 26 Feb 2026)