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$34,010
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,067
−HK$1,075/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,341
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,029/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,290/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,402
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,620
−HK$1,235/mo
Today · 4.125%
HK$47,855
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,710/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,613
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,505/mo
Today · 4.125%
HK$50,599
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,198/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,969
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,441/mo
Today · 4.125%
HK$55,831
baseline
▲ 0.50% · 4.625%
HK$58,774
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,662/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,217
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,121
−HK$1,935/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,103
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,930
−HK$1,853/mo
Today · 4.125%
HK$71,783
baseline
▲ 0.50% · 4.625%
HK$75,567
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,566/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,304 · Scale 2, in force from 26 Feb 2026)