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$34,025
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,083
−HK$1,076/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,030/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,830
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,290/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$46,031
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,236/mo
Today · 4.125%
HK$47,877
baseline
▲ 0.50% · 4.625%
HK$50,401
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,754/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,117
−HK$1,505/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,994
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,442/mo
Today · 4.125%
HK$55,857
baseline
▲ 0.50% · 4.625%
HK$58,801
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,714/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,245
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,936/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,962
−HK$1,854/mo
Today · 4.125%
HK$71,816
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,632/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,560 · Scale 2, in force from 26 Feb 2026)