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$34,027
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,075/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,030/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,004
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,833
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,103
−HK$1,290/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$46,034
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,426
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,644
−HK$1,236/mo
Today · 4.125%
HK$47,880
baseline
▲ 0.50% · 4.625%
HK$50,404
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,760/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,120
−HK$1,506/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,997
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,441/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$58,805
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,249
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,155
−HK$1,935/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$69,051
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,967
−HK$1,854/mo
Today · 4.125%
HK$71,821
baseline
▲ 0.50% · 4.625%
HK$75,606
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,642/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,599 · Scale 2, in force from 26 Feb 2026)