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$34,024
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$1,076/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,867
−HK$1,029/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,290/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,236/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,634
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,115
−HK$1,506/mo
Today · 4.125%
HK$50,621
baseline
▲ 0.50% · 4.625%
HK$53,701
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,242/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,992
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,442/mo
Today · 4.125%
HK$55,855
baseline
▲ 0.50% · 4.625%
HK$58,799
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,710/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,243
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,936/mo
Today · 4.125%
HK$65,084
baseline
▲ 0.50% · 4.625%
HK$69,044
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,168/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,132
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,960
−HK$1,853/mo
Today · 4.125%
HK$71,813
baseline
▲ 0.50% · 4.625%
HK$75,599
+HK$3,786/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,626/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,543 · Scale 2, in force from 26 Feb 2026)