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$34,021
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$1,076/mo
Today · 4.125%
HK$36,155
baseline
▲ 0.50% · 4.625%
HK$38,355
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,310/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,848
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,030/mo
Today · 4.125%
HK$39,893
baseline
▲ 0.50% · 4.625%
HK$41,996
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,786/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,825
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,095
−HK$1,291/mo
Today · 4.125%
HK$43,386
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,772/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,418
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,636
−HK$1,236/mo
Today · 4.125%
HK$47,872
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,744/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,630
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,111
−HK$1,505/mo
Today · 4.125%
HK$50,616
baseline
▲ 0.50% · 4.625%
HK$53,696
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,232/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,988
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,409
−HK$1,441/mo
Today · 4.125%
HK$55,850
baseline
▲ 0.50% · 4.625%
HK$58,794
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,700/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,238
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,143
−HK$1,935/mo
Today · 4.125%
HK$65,078
baseline
▲ 0.50% · 4.625%
HK$69,038
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,156/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,127
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,954
−HK$1,853/mo
Today · 4.125%
HK$71,807
baseline
▲ 0.50% · 4.625%
HK$75,593
+HK$3,786/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,614/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,496 · Scale 2, in force from 26 Feb 2026)