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$34,065
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,125
−HK$1,076/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,404
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,897
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,031/mo
Today · 4.125%
HK$39,944
baseline
▲ 0.50% · 4.625%
HK$42,050
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,888/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,150
−HK$1,291/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,476
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,696
−HK$1,237/mo
Today · 4.125%
HK$47,933
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,866/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,691
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,174
−HK$1,508/mo
Today · 4.125%
HK$50,682
baseline
▲ 0.50% · 4.625%
HK$53,766
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,364/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,056
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,479
−HK$1,443/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$58,870
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,224
−HK$1,938/mo
Today · 4.125%
HK$65,162
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,965/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,324/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,215
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,044
−HK$1,856/mo
Today · 4.125%
HK$71,900
baseline
▲ 0.50% · 4.625%
HK$75,690
+HK$3,790/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,800/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,217 · Scale 2, in force from 26 Feb 2026)