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$34,009
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,066
−HK$1,075/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,849
−HK$1,029/mo
Today · 4.125%
HK$39,878
baseline
▲ 0.50% · 4.625%
HK$41,980
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,756/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,810
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,080
−HK$1,289/mo
Today · 4.125%
HK$43,369
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,738/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,619
−HK$1,235/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,522/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,612
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,505/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,676
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,388
−HK$1,442/mo
Today · 4.125%
HK$55,830
baseline
▲ 0.50% · 4.625%
HK$58,772
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,660/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,215
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,120
−HK$1,934/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$69,013
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,102
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,928
−HK$1,853/mo
Today · 4.125%
HK$71,781
baseline
▲ 0.50% · 4.625%
HK$75,565
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,562/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,290 · Scale 2, in force from 26 Feb 2026)