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$34,014
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,072
−HK$1,075/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,030/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,290/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,626
−HK$1,236/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,620
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,101
−HK$1,505/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$3,079/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,977
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,398
−HK$1,441/mo
Today · 4.125%
HK$55,839
baseline
▲ 0.50% · 4.625%
HK$58,782
+HK$2,943/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,678/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,226
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,935/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$69,024
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,940
−HK$1,853/mo
Today · 4.125%
HK$71,793
baseline
▲ 0.50% · 4.625%
HK$75,577
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,586/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,382 · Scale 2, in force from 26 Feb 2026)