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$34,062
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$1,077/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,893
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,031/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,046
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,292/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,472
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,238/mo
Today · 4.125%
HK$47,929
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,526/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,858/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,686
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,170
−HK$1,507/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,050
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,473
−HK$1,444/mo
Today · 4.125%
HK$55,917
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,834/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,311
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,218
−HK$1,938/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,208
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$1,856/mo
Today · 4.125%
HK$71,893
baseline
▲ 0.50% · 4.625%
HK$75,682
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,786/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,161 · Scale 2, in force from 26 Feb 2026)