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$34,054
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$1,076/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,031/mo
Today · 4.125%
HK$39,932
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,864/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,292/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,682
−HK$1,236/mo
Today · 4.125%
HK$47,918
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,836/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,676
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,507/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,039
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,443/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$58,852
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,298
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,205
−HK$1,937/mo
Today · 4.125%
HK$65,142
baseline
▲ 0.50% · 4.625%
HK$69,106
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,284/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,193
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,022
−HK$1,856/mo
Today · 4.125%
HK$71,878
baseline
▲ 0.50% · 4.625%
HK$75,666
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,756/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,043 · Scale 2, in force from 26 Feb 2026)