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$34,078
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,076/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,031/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,067
+HK$2,107/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,293/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$46,103
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,714
−HK$1,238/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,710
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,194
−HK$1,508/mo
Today · 4.125%
HK$50,702
baseline
▲ 0.50% · 4.625%
HK$53,787
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,404/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,077
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,444/mo
Today · 4.125%
HK$55,944
baseline
▲ 0.50% · 4.625%
HK$58,893
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,888/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,939/mo
Today · 4.125%
HK$65,188
baseline
▲ 0.50% · 4.625%
HK$69,154
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,376/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,242
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,072
−HK$1,856/mo
Today · 4.125%
HK$71,928
baseline
▲ 0.50% · 4.625%
HK$75,720
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,856/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,439 · Scale 2, in force from 26 Feb 2026)