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$34,059
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$1,077/mo
Today · 4.125%
HK$36,195
baseline
▲ 0.50% · 4.625%
HK$38,397
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,390/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,890
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,906
−HK$1,031/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,042
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,871
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,292/mo
Today · 4.125%
HK$43,434
baseline
▲ 0.50% · 4.625%
HK$46,077
+HK$2,643/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,868/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,468
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,688
−HK$1,237/mo
Today · 4.125%
HK$47,925
baseline
▲ 0.50% · 4.625%
HK$50,451
+HK$2,526/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,850/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,683
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,507/mo
Today · 4.125%
HK$50,673
baseline
▲ 0.50% · 4.625%
HK$53,756
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,346/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,046
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,469
−HK$1,443/mo
Today · 4.125%
HK$55,912
baseline
▲ 0.50% · 4.625%
HK$58,859
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,824/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,306
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,938/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,202
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,032
−HK$1,855/mo
Today · 4.125%
HK$71,887
baseline
▲ 0.50% · 4.625%
HK$75,676
+HK$3,789/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,774/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,118 · Scale 2, in force from 26 Feb 2026)