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$34,078
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$1,077/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,032/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,292/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$46,103
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,238/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,710
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,194
−HK$1,507/mo
Today · 4.125%
HK$50,701
baseline
▲ 0.50% · 4.625%
HK$53,786
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,402/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,076
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,444/mo
Today · 4.125%
HK$55,944
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,888/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,938/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,967/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,241
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,071
−HK$1,857/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$75,719
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,434 · Scale 2, in force from 26 Feb 2026)