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$34,075
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$1,077/mo
Today · 4.125%
HK$36,212
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,424/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,032/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,891
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,292/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$46,099
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,710
−HK$1,238/mo
Today · 4.125%
HK$47,948
baseline
▲ 0.50% · 4.625%
HK$50,475
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,896/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,706
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,507/mo
Today · 4.125%
HK$50,697
baseline
▲ 0.50% · 4.625%
HK$53,782
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,394/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,072
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,495
−HK$1,444/mo
Today · 4.125%
HK$55,939
baseline
▲ 0.50% · 4.625%
HK$58,888
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,878/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,336
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,244
−HK$1,938/mo
Today · 4.125%
HK$65,182
baseline
▲ 0.50% · 4.625%
HK$69,148
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,364/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,236
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,066
−HK$1,856/mo
Today · 4.125%
HK$71,922
baseline
▲ 0.50% · 4.625%
HK$75,713
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,844/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,390 · Scale 2, in force from 26 Feb 2026)