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$34,025
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$1,075/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,852
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,867
−HK$1,030/mo
Today · 4.125%
HK$39,897
baseline
▲ 0.50% · 4.625%
HK$42,000
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,794/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,291/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$46,030
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,235/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,400
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,634
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,116
−HK$1,505/mo
Today · 4.125%
HK$50,621
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,242/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,993
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,414
−HK$1,442/mo
Today · 4.125%
HK$55,856
baseline
▲ 0.50% · 4.625%
HK$58,800
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,712/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,149
−HK$1,936/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$69,045
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,134
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,961
−HK$1,854/mo
Today · 4.125%
HK$71,815
baseline
▲ 0.50% · 4.625%
HK$75,600
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,630/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,552 · Scale 2, in force from 26 Feb 2026)