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$34,039
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,097
−HK$1,076/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,868
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,030/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,017
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,291/mo
Today · 4.125%
HK$43,408
baseline
▲ 0.50% · 4.625%
HK$46,049
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,816/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,660
−HK$1,236/mo
Today · 4.125%
HK$47,896
baseline
▲ 0.50% · 4.625%
HK$50,421
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,792/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,654
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,506/mo
Today · 4.125%
HK$50,642
baseline
▲ 0.50% · 4.625%
HK$53,724
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,284/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,015
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,437
−HK$1,442/mo
Today · 4.125%
HK$55,879
baseline
▲ 0.50% · 4.625%
HK$58,824
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,758/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,270
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,175
−HK$1,937/mo
Today · 4.125%
HK$65,112
baseline
▲ 0.50% · 4.625%
HK$69,074
+HK$3,962/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,224/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,162
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,990
−HK$1,854/mo
Today · 4.125%
HK$71,844
baseline
▲ 0.50% · 4.625%
HK$75,631
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,688/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,783 · Scale 2, in force from 26 Feb 2026)