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$34,051
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,110
−HK$1,076/mo
Today · 4.125%
HK$36,186
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,372/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,881
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,897
−HK$1,031/mo
Today · 4.125%
HK$39,928
baseline
▲ 0.50% · 4.625%
HK$42,032
+HK$2,104/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,856/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,861
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,291/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$46,065
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,457
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,676
−HK$1,237/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,439
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,671
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,154
−HK$1,506/mo
Today · 4.125%
HK$50,660
baseline
▲ 0.50% · 4.625%
HK$53,743
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,320/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,033
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,443/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,291
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,937/mo
Today · 4.125%
HK$65,135
baseline
▲ 0.50% · 4.625%
HK$69,098
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,270/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,186
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,014
−HK$1,856/mo
Today · 4.125%
HK$71,870
baseline
▲ 0.50% · 4.625%
HK$75,658
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,740/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,981 · Scale 2, in force from 26 Feb 2026)