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$34,070
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$1,076/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,031/mo
Today · 4.125%
HK$39,950
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,900/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,155
−HK$1,293/mo
Today · 4.125%
HK$43,448
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,896/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,237/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,698
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,181
−HK$1,508/mo
Today · 4.125%
HK$50,689
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,378/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,063
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,486
−HK$1,444/mo
Today · 4.125%
HK$55,930
baseline
▲ 0.50% · 4.625%
HK$58,878
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,860/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,326
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,233
−HK$1,938/mo
Today · 4.125%
HK$65,171
baseline
▲ 0.50% · 4.625%
HK$69,137
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,342/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,054
−HK$1,856/mo
Today · 4.125%
HK$71,910
baseline
▲ 0.50% · 4.625%
HK$75,701
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,820/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,296 · Scale 2, in force from 26 Feb 2026)