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$34,069
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$1,076/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,901
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,918
−HK$1,031/mo
Today · 4.125%
HK$39,949
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,898/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,883
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,292/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$46,090
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,482
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,701
−HK$1,238/mo
Today · 4.125%
HK$47,939
baseline
▲ 0.50% · 4.625%
HK$50,466
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,878/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,696
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,180
−HK$1,507/mo
Today · 4.125%
HK$50,687
baseline
▲ 0.50% · 4.625%
HK$53,772
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,374/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,062
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,485
−HK$1,444/mo
Today · 4.125%
HK$55,929
baseline
▲ 0.50% · 4.625%
HK$58,877
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,858/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,324
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,938/mo
Today · 4.125%
HK$65,169
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,338/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,222
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,052
−HK$1,856/mo
Today · 4.125%
HK$71,908
baseline
▲ 0.50% · 4.625%
HK$75,698
+HK$3,790/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,816/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,281 · Scale 2, in force from 26 Feb 2026)