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$34,000
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,075/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$2,198/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,029/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,101/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,289/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,996
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,389
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,606
−HK$1,235/mo
Today · 4.125%
HK$47,841
baseline
▲ 0.50% · 4.625%
HK$50,363
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,682/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,080
−HK$1,504/mo
Today · 4.125%
HK$50,584
baseline
▲ 0.50% · 4.625%
HK$53,662
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,168/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,954
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,374
−HK$1,441/mo
Today · 4.125%
HK$55,815
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,630/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,199
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,103
−HK$1,934/mo
Today · 4.125%
HK$65,037
baseline
▲ 0.50% · 4.625%
HK$68,994
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,074/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,084
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,910
−HK$1,852/mo
Today · 4.125%
HK$71,762
baseline
▲ 0.50% · 4.625%
HK$75,545
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,524/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,141 · Scale 2, in force from 26 Feb 2026)