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$34,085
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,077/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,426
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,032/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,074
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,293/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$46,111
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,503
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,238/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,489
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,203
−HK$1,508/mo
Today · 4.125%
HK$50,711
baseline
▲ 0.50% · 4.625%
HK$53,797
+HK$3,086/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,422/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,086
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,510
−HK$1,445/mo
Today · 4.125%
HK$55,955
baseline
▲ 0.50% · 4.625%
HK$58,904
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,910/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,352
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,261
−HK$1,939/mo
Today · 4.125%
HK$65,200
baseline
▲ 0.50% · 4.625%
HK$69,167
+HK$3,967/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,400/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,254
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,085
−HK$1,857/mo
Today · 4.125%
HK$71,942
baseline
▲ 0.50% · 4.625%
HK$75,734
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,884/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$560,541 · Scale 2, in force from 26 Feb 2026)