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$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$1,078/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$2,204/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,929
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,032/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,085
+HK$2,107/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,293/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$46,123
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,239/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,502
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,216
−HK$1,508/mo
Today · 4.125%
HK$50,724
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,448/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,100
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,524
−HK$1,445/mo
Today · 4.125%
HK$55,969
baseline
▲ 0.50% · 4.625%
HK$58,919
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,938/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,277
−HK$1,940/mo
Today · 4.125%
HK$65,217
baseline
▲ 0.50% · 4.625%
HK$69,185
+HK$3,968/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,434/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,272
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,103
−HK$1,857/mo
Today · 4.125%
HK$71,960
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,920/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,688 · Scale 2, in force from 26 Feb 2026)