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$34,048
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$1,076/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,385
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,878
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,894
−HK$1,031/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,029
+HK$2,104/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,858
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,129
−HK$1,291/mo
Today · 4.125%
HK$43,420
baseline
▲ 0.50% · 4.625%
HK$46,062
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,840/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,454
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,673
−HK$1,237/mo
Today · 4.125%
HK$47,910
baseline
▲ 0.50% · 4.625%
HK$50,435
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,820/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,668
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,150
−HK$1,507/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,739
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,030
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,452
−HK$1,443/mo
Today · 4.125%
HK$55,895
baseline
▲ 0.50% · 4.625%
HK$58,841
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,790/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,287
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,193
−HK$1,937/mo
Today · 4.125%
HK$65,130
baseline
▲ 0.50% · 4.625%
HK$69,093
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,181
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,010
−HK$1,855/mo
Today · 4.125%
HK$71,865
baseline
▲ 0.50% · 4.625%
HK$75,653
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,730/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,941 · Scale 2, in force from 26 Feb 2026)