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$34,098
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,158
−HK$1,078/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,441
+HK$2,205/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,933
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,032/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,090
+HK$2,107/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,917
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,293/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,646/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,238/mo
Today · 4.125%
HK$47,979
baseline
▲ 0.50% · 4.625%
HK$50,508
+HK$2,529/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,958/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,508/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,817
+HK$3,087/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,445/mo
Today · 4.125%
HK$55,976
baseline
▲ 0.50% · 4.625%
HK$58,926
+HK$2,950/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$111,952/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,285
−HK$1,940/mo
Today · 4.125%
HK$65,225
baseline
▲ 0.50% · 4.625%
HK$69,193
+HK$3,968/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$130,450/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$1,858/mo
Today · 4.125%
HK$71,969
baseline
▲ 0.50% · 4.625%
HK$75,763
+HK$3,794/mo
Deposit HK$1.50M · loan HK$13.46M · min. income ≈ HK$143,938/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,755 · Scale 2, in force from 26 Feb 2026)