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$34,055
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$1,076/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,886
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,031/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,866
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,137
−HK$1,292/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,643/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,463
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,683
−HK$1,237/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,507/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,041
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,443/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,299
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,206
−HK$1,938/mo
Today · 4.125%
HK$65,144
baseline
▲ 0.50% · 4.625%
HK$69,107
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,288/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,195
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,024
−HK$1,855/mo
Today · 4.125%
HK$71,879
baseline
▲ 0.50% · 4.625%
HK$75,668
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,758/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,057 · Scale 2, in force from 26 Feb 2026)