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$34,061
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$1,076/mo
Today · 4.125%
HK$36,197
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,394/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,893
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,031/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,292/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,471
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,691
−HK$1,237/mo
Today · 4.125%
HK$47,928
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,856/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,686
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,507/mo
Today · 4.125%
HK$50,676
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,352/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,050
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,473
−HK$1,443/mo
Today · 4.125%
HK$55,916
baseline
▲ 0.50% · 4.625%
HK$58,864
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,832/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,310
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,218
−HK$1,937/mo
Today · 4.125%
HK$65,155
baseline
▲ 0.50% · 4.625%
HK$69,120
+HK$3,965/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,310/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,037
−HK$1,855/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$75,682
+HK$3,790/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,157 · Scale 2, in force from 26 Feb 2026)