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$34,046
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$1,076/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,383
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,892
−HK$1,030/mo
Today · 4.125%
HK$39,922
baseline
▲ 0.50% · 4.625%
HK$42,027
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,844/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,291/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,670
−HK$1,237/mo
Today · 4.125%
HK$47,907
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,814/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,147
−HK$1,506/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,736
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,026
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,443/mo
Today · 4.125%
HK$55,891
baseline
▲ 0.50% · 4.625%
HK$58,837
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,782/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,283
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,189
−HK$1,937/mo
Today · 4.125%
HK$65,126
baseline
▲ 0.50% · 4.625%
HK$69,089
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,252/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,177
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$1,855/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$75,648
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,906 · Scale 2, in force from 26 Feb 2026)