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$34,026
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$1,075/mo
Today · 4.125%
HK$36,160
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,320/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,030/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,002
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,290/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$46,033
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,236/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,403
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,119
−HK$1,505/mo
Today · 4.125%
HK$50,624
baseline
▲ 0.50% · 4.625%
HK$53,705
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,248/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,996
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,417
−HK$1,442/mo
Today · 4.125%
HK$55,859
baseline
▲ 0.50% · 4.625%
HK$58,803
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,718/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,153
−HK$1,935/mo
Today · 4.125%
HK$65,088
baseline
▲ 0.50% · 4.625%
HK$69,049
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,176/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,137
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,965
−HK$1,854/mo
Today · 4.125%
HK$71,819
baseline
▲ 0.50% · 4.625%
HK$75,604
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,638/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,583 · Scale 2, in force from 26 Feb 2026)