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$34,077
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$1,077/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,417
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,910
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,031/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,292/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,238/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,707
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,508/mo
Today · 4.125%
HK$50,699
baseline
▲ 0.50% · 4.625%
HK$53,784
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,398/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,074
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,497
−HK$1,444/mo
Today · 4.125%
HK$55,941
baseline
▲ 0.50% · 4.625%
HK$58,890
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,882/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,338
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,246
−HK$1,938/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$69,151
+HK$3,967/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,238
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,068
−HK$1,857/mo
Today · 4.125%
HK$71,925
baseline
▲ 0.50% · 4.625%
HK$75,716
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,850/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,409 · Scale 2, in force from 26 Feb 2026)