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$34,071
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$1,077/mo
Today · 4.125%
HK$36,207
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,414/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,920
−HK$1,031/mo
Today · 4.125%
HK$39,951
baseline
▲ 0.50% · 4.625%
HK$42,057
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,902/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,293/mo
Today · 4.125%
HK$43,449
baseline
▲ 0.50% · 4.625%
HK$46,092
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,898/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,237/mo
Today · 4.125%
HK$47,941
baseline
▲ 0.50% · 4.625%
HK$50,468
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,882/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,183
−HK$1,507/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,774
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,064
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,488
−HK$1,443/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$58,880
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,327
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,235
−HK$1,938/mo
Today · 4.125%
HK$65,173
baseline
▲ 0.50% · 4.625%
HK$69,138
+HK$3,965/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,346/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,226
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,056
−HK$1,856/mo
Today · 4.125%
HK$71,912
baseline
▲ 0.50% · 4.625%
HK$75,702
+HK$3,790/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,824/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,309 · Scale 2, in force from 26 Feb 2026)