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$34,007
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$1,074/mo
Today · 4.125%
HK$36,139
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,278/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,847
−HK$1,029/mo
Today · 4.125%
HK$39,876
baseline
▲ 0.50% · 4.625%
HK$41,978
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,752/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,808
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,290/mo
Today · 4.125%
HK$43,367
baseline
▲ 0.50% · 4.625%
HK$46,006
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,734/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,399
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,616
−HK$1,235/mo
Today · 4.125%
HK$47,851
baseline
▲ 0.50% · 4.625%
HK$50,374
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,702/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,609
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,505/mo
Today · 4.125%
HK$50,595
baseline
▲ 0.50% · 4.625%
HK$53,674
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,190/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,965
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,441/mo
Today · 4.125%
HK$55,827
baseline
▲ 0.50% · 4.625%
HK$58,769
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,654/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,212
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,116
−HK$1,935/mo
Today · 4.125%
HK$65,051
baseline
▲ 0.50% · 4.625%
HK$69,009
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,102/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,098
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,924
−HK$1,853/mo
Today · 4.125%
HK$71,777
baseline
▲ 0.50% · 4.625%
HK$75,561
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,554/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,259 · Scale 2, in force from 26 Feb 2026)