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$34,081
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,141
−HK$1,077/mo
Today · 4.125%
HK$36,218
baseline
▲ 0.50% · 4.625%
HK$38,422
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,436/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,914
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,931
−HK$1,032/mo
Today · 4.125%
HK$39,963
baseline
▲ 0.50% · 4.625%
HK$42,069
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,926/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,897
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,292/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,718
−HK$1,237/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,713
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,197
−HK$1,508/mo
Today · 4.125%
HK$50,705
baseline
▲ 0.50% · 4.625%
HK$53,790
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,410/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,080
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,504
−HK$1,444/mo
Today · 4.125%
HK$55,948
baseline
▲ 0.50% · 4.625%
HK$58,897
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,896/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,345
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,939/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$69,159
+HK$3,967/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,246
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$1,857/mo
Today · 4.125%
HK$71,933
baseline
▲ 0.50% · 4.625%
HK$75,725
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,866/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,475 · Scale 2, in force from 26 Feb 2026)