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$34,033
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$1,076/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,336/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,030/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,011
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,840
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,110
−HK$1,291/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$46,042
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,434
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,653
−HK$1,236/mo
Today · 4.125%
HK$47,889
baseline
▲ 0.50% · 4.625%
HK$50,413
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,778/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,647
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,129
−HK$1,506/mo
Today · 4.125%
HK$50,635
baseline
▲ 0.50% · 4.625%
HK$53,716
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,270/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,007
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,428
−HK$1,442/mo
Today · 4.125%
HK$55,870
baseline
▲ 0.50% · 4.625%
HK$58,815
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,740/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,260
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,166
−HK$1,936/mo
Today · 4.125%
HK$65,102
baseline
▲ 0.50% · 4.625%
HK$69,063
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,204/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,151
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,979
−HK$1,854/mo
Today · 4.125%
HK$71,833
baseline
▲ 0.50% · 4.625%
HK$75,620
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,666/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,697 · Scale 2, in force from 26 Feb 2026)