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$34,035
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$1,075/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,864
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,030/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,113
−HK$1,290/mo
Today · 4.125%
HK$43,403
baseline
▲ 0.50% · 4.625%
HK$46,044
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,806/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,437
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,655
−HK$1,236/mo
Today · 4.125%
HK$47,891
baseline
▲ 0.50% · 4.625%
HK$50,416
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,782/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,649
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,131
−HK$1,506/mo
Today · 4.125%
HK$50,637
baseline
▲ 0.50% · 4.625%
HK$53,718
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,274/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,009
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,431
−HK$1,442/mo
Today · 4.125%
HK$55,873
baseline
▲ 0.50% · 4.625%
HK$58,818
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,746/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,169
−HK$1,936/mo
Today · 4.125%
HK$65,105
baseline
▲ 0.50% · 4.625%
HK$69,067
+HK$3,962/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,210/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$1,854/mo
Today · 4.125%
HK$71,837
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,674/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,727 · Scale 2, in force from 26 Feb 2026)