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$34,011
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$1,075/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,029/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,813
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,290/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,235/mo
Today · 4.125%
HK$47,857
baseline
▲ 0.50% · 4.625%
HK$50,380
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,714/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,097
−HK$1,504/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,680
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,972
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,442/mo
Today · 4.125%
HK$55,834
baseline
▲ 0.50% · 4.625%
HK$58,777
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,668/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,220
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,124
−HK$1,935/mo
Today · 4.125%
HK$65,059
baseline
▲ 0.50% · 4.625%
HK$69,018
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,118/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,107
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,933
−HK$1,853/mo
Today · 4.125%
HK$71,786
baseline
▲ 0.50% · 4.625%
HK$75,570
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,572/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,331 · Scale 2, in force from 26 Feb 2026)