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$34,049
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$1,076/mo
Today · 4.125%
HK$36,184
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,368/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,031/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,030
+HK$2,104/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,291/mo
Today · 4.125%
HK$43,421
baseline
▲ 0.50% · 4.625%
HK$46,063
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,842/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,237/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,436
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,507/mo
Today · 4.125%
HK$50,658
baseline
▲ 0.50% · 4.625%
HK$53,740
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,316/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,443/mo
Today · 4.125%
HK$55,896
baseline
▲ 0.50% · 4.625%
HK$58,842
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,792/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,288
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,195
−HK$1,936/mo
Today · 4.125%
HK$65,131
baseline
▲ 0.50% · 4.625%
HK$69,095
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,262/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,182
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,011
−HK$1,855/mo
Today · 4.125%
HK$71,866
baseline
▲ 0.50% · 4.625%
HK$75,654
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,732/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,953 · Scale 2, in force from 26 Feb 2026)