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$34,029
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$1,076/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,872
−HK$1,030/mo
Today · 4.125%
HK$39,902
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,804/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,290/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$46,036
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,236/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,641
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,122
−HK$1,506/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,709
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,421
−HK$1,442/mo
Today · 4.125%
HK$55,863
baseline
▲ 0.50% · 4.625%
HK$58,808
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,726/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,252
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,157
−HK$1,936/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$69,054
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,142
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,970
−HK$1,854/mo
Today · 4.125%
HK$71,824
baseline
▲ 0.50% · 4.625%
HK$75,610
+HK$3,786/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,648/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,624 · Scale 2, in force from 26 Feb 2026)