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$34,062
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$1,076/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,031/mo
Today · 4.125%
HK$39,941
baseline
▲ 0.50% · 4.625%
HK$42,047
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,882/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,875
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,292/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,237/mo
Today · 4.125%
HK$47,930
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,526/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,860/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,687
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,171
−HK$1,507/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,761
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,052
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,443/mo
Today · 4.125%
HK$55,918
baseline
▲ 0.50% · 4.625%
HK$58,865
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,836/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,312
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,220
−HK$1,937/mo
Today · 4.125%
HK$65,157
baseline
▲ 0.50% · 4.625%
HK$69,122
+HK$3,965/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,314/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,209
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,039
−HK$1,856/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$75,684
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,175 · Scale 2, in force from 26 Feb 2026)