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$34,012
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$1,074/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,030/mo
Today · 4.125%
HK$39,882
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,764/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,814
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,084
−HK$1,289/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$46,013
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,405
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,623
−HK$1,235/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,381
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,097
−HK$1,505/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,681
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,973
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,393
−HK$1,442/mo
Today · 4.125%
HK$55,835
baseline
▲ 0.50% · 4.625%
HK$58,778
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,670/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,221
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,125
−HK$1,935/mo
Today · 4.125%
HK$65,060
baseline
▲ 0.50% · 4.625%
HK$69,019
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,120/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,108
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,934
−HK$1,853/mo
Today · 4.125%
HK$71,787
baseline
▲ 0.50% · 4.625%
HK$75,571
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,574/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,340 · Scale 2, in force from 26 Feb 2026)