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$34,040
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,099
−HK$1,076/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,869
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,885
−HK$1,030/mo
Today · 4.125%
HK$39,915
baseline
▲ 0.50% · 4.625%
HK$42,019
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,830/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,291/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$46,051
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,443
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,662
−HK$1,237/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,423
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,656
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,506/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,726
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,017
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,439
−HK$1,443/mo
Today · 4.125%
HK$55,882
baseline
▲ 0.50% · 4.625%
HK$58,827
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,764/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,272
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,178
−HK$1,937/mo
Today · 4.125%
HK$65,115
baseline
▲ 0.50% · 4.625%
HK$69,077
+HK$3,962/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,230/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,165
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,993
−HK$1,855/mo
Today · 4.125%
HK$71,848
baseline
▲ 0.50% · 4.625%
HK$75,635
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,696/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,810 · Scale 2, in force from 26 Feb 2026)