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$34,046
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$1,076/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$2,201/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,875
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,031/mo
Today · 4.125%
HK$39,922
baseline
▲ 0.50% · 4.625%
HK$42,026
+HK$2,104/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,844/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,291/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$46,058
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,450
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,669
−HK$1,237/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,431
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,146
−HK$1,507/mo
Today · 4.125%
HK$50,653
baseline
▲ 0.50% · 4.625%
HK$53,735
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,306/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,026
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,448
−HK$1,442/mo
Today · 4.125%
HK$55,890
baseline
▲ 0.50% · 4.625%
HK$58,836
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,780/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,188
−HK$1,937/mo
Today · 4.125%
HK$65,125
baseline
▲ 0.50% · 4.625%
HK$69,088
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,250/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,004
−HK$1,855/mo
Today · 4.125%
HK$71,859
baseline
▲ 0.50% · 4.625%
HK$75,647
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,718/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,898 · Scale 2, in force from 26 Feb 2026)