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$34,076
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$1,077/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,031/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,107/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,891
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,292/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,711
−HK$1,238/mo
Today · 4.125%
HK$47,949
baseline
▲ 0.50% · 4.625%
HK$50,476
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,898/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,706
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,508/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,783
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,444/mo
Today · 4.125%
HK$55,940
baseline
▲ 0.50% · 4.625%
HK$58,889
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,880/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,337
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,938/mo
Today · 4.125%
HK$65,183
baseline
▲ 0.50% · 4.625%
HK$69,149
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,366/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,237
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,067
−HK$1,856/mo
Today · 4.125%
HK$71,923
baseline
▲ 0.50% · 4.625%
HK$75,714
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,846/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,398 · Scale 2, in force from 26 Feb 2026)