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$34,057
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$1,076/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,905
−HK$1,031/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,292/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$46,074
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,466
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,686
−HK$1,237/mo
Today · 4.125%
HK$47,923
baseline
▲ 0.50% · 4.625%
HK$50,449
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,846/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,680
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,506/mo
Today · 4.125%
HK$50,670
baseline
▲ 0.50% · 4.625%
HK$53,754
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,340/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,044
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,467
−HK$1,443/mo
Today · 4.125%
HK$55,910
baseline
▲ 0.50% · 4.625%
HK$58,857
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,820/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,303
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,210
−HK$1,938/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,199
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,028
−HK$1,856/mo
Today · 4.125%
HK$71,884
baseline
▲ 0.50% · 4.625%
HK$75,673
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,768/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,092 · Scale 2, in force from 26 Feb 2026)