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$34,056
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$1,076/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,903
−HK$1,031/mo
Today · 4.125%
HK$39,934
baseline
▲ 0.50% · 4.625%
HK$42,039
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,868/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,867
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,292/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,684
−HK$1,236/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,678
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,161
−HK$1,507/mo
Today · 4.125%
HK$50,668
baseline
▲ 0.50% · 4.625%
HK$53,751
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,336/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,464
−HK$1,443/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$58,854
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,301
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,207
−HK$1,938/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$69,109
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,196
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,025
−HK$1,856/mo
Today · 4.125%
HK$71,881
baseline
▲ 0.50% · 4.625%
HK$75,670
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,762/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,067 · Scale 2, in force from 26 Feb 2026)