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$34,019
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$1,075/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,029/mo
Today · 4.125%
HK$39,890
baseline
▲ 0.50% · 4.625%
HK$41,993
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,780/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,823
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,093
−HK$1,290/mo
Today · 4.125%
HK$43,383
baseline
▲ 0.50% · 4.625%
HK$46,022
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,766/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,415
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,633
−HK$1,235/mo
Today · 4.125%
HK$47,868
baseline
▲ 0.50% · 4.625%
HK$50,392
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,736/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,505/mo
Today · 4.125%
HK$50,613
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,226/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,405
−HK$1,442/mo
Today · 4.125%
HK$55,847
baseline
▲ 0.50% · 4.625%
HK$58,790
+HK$2,943/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,694/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,234
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,139
−HK$1,935/mo
Today · 4.125%
HK$65,074
baseline
▲ 0.50% · 4.625%
HK$69,034
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,148/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,122
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,949
−HK$1,854/mo
Today · 4.125%
HK$71,803
baseline
▲ 0.50% · 4.625%
HK$75,588
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,606/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,459 · Scale 2, in force from 26 Feb 2026)