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$34,044
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$1,076/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,381
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,874
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,890
−HK$1,030/mo
Today · 4.125%
HK$39,920
baseline
▲ 0.50% · 4.625%
HK$42,025
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,840/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,853
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,124
−HK$1,291/mo
Today · 4.125%
HK$43,415
baseline
▲ 0.50% · 4.625%
HK$46,057
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,830/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,449
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,668
−HK$1,236/mo
Today · 4.125%
HK$47,904
baseline
▲ 0.50% · 4.625%
HK$50,430
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,808/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,662
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,145
−HK$1,506/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,733
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,024
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,446
−HK$1,442/mo
Today · 4.125%
HK$55,888
baseline
▲ 0.50% · 4.625%
HK$58,834
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,776/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,280
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,937/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,962/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,173
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,002
−HK$1,855/mo
Today · 4.125%
HK$71,857
baseline
▲ 0.50% · 4.625%
HK$75,644
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,714/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,879 · Scale 2, in force from 26 Feb 2026)