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$34,004
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,062
−HK$1,075/mo
Today · 4.125%
HK$36,137
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,274/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,830
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,844
−HK$1,029/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$41,975
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,805
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,289/mo
Today · 4.125%
HK$43,364
baseline
▲ 0.50% · 4.625%
HK$46,003
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,728/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,396
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,613
−HK$1,235/mo
Today · 4.125%
HK$47,848
baseline
▲ 0.50% · 4.625%
HK$50,370
+HK$2,522/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,696/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,505/mo
Today · 4.125%
HK$50,592
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,184/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,961
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,441/mo
Today · 4.125%
HK$55,823
baseline
▲ 0.50% · 4.625%
HK$58,765
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,646/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,208
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,112
−HK$1,934/mo
Today · 4.125%
HK$65,046
baseline
▲ 0.50% · 4.625%
HK$69,004
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,092/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,093
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,919
−HK$1,853/mo
Today · 4.125%
HK$71,772
baseline
▲ 0.50% · 4.625%
HK$75,555
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,544/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,221 · Scale 2, in force from 26 Feb 2026)