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$34,053
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$1,077/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,030/mo
Today · 4.125%
HK$39,930
baseline
▲ 0.50% · 4.625%
HK$42,035
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,860/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,864
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,135
−HK$1,291/mo
Today · 4.125%
HK$43,426
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,643/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,852/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,460
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,680
−HK$1,237/mo
Today · 4.125%
HK$47,917
baseline
▲ 0.50% · 4.625%
HK$50,442
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,834/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,674
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,507/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,443/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,296
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,937/mo
Today · 4.125%
HK$65,139
baseline
▲ 0.50% · 4.625%
HK$69,103
+HK$3,964/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,278/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,191
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,020
−HK$1,855/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$75,663
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,021 · Scale 2, in force from 26 Feb 2026)