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$34,041
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$1,076/mo
Today · 4.125%
HK$36,176
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,352/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,030/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,020
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,849
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,120
−HK$1,291/mo
Today · 4.125%
HK$43,411
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,822/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,444
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,237/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,425
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,658
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,140
−HK$1,506/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$3,082/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,019
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,443/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$58,829
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,274
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,936/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$69,079
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,167
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$1,855/mo
Today · 4.125%
HK$71,850
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,700/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,824 · Scale 2, in force from 26 Feb 2026)