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$34,078
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$1,076/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,418
+HK$2,204/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$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,031/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,065
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,292/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,645/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,238/mo
Today · 4.125%
HK$47,951
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,902/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,709
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,193
−HK$1,507/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,499
−HK$1,444/mo
Today · 4.125%
HK$55,943
baseline
▲ 0.50% · 4.625%
HK$58,892
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,886/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,340
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,248
−HK$1,938/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,152
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$1,856/mo
Today · 4.125%
HK$71,926
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,852/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,423 · Scale 2, in force from 26 Feb 2026)