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$34,023
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$1,075/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,356
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,850
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,030/mo
Today · 4.125%
HK$39,895
baseline
▲ 0.50% · 4.625%
HK$41,998
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,790/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,827
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,097
−HK$1,291/mo
Today · 4.125%
HK$43,388
baseline
▲ 0.50% · 4.625%
HK$46,028
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,776/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,420
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,638
−HK$1,236/mo
Today · 4.125%
HK$47,874
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,748/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,632
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,506/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,699
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,990
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,411
−HK$1,442/mo
Today · 4.125%
HK$55,853
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,706/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,241
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,146
−HK$1,935/mo
Today · 4.125%
HK$65,081
baseline
▲ 0.50% · 4.625%
HK$69,041
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,162/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,130
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,957
−HK$1,854/mo
Today · 4.125%
HK$71,811
baseline
▲ 0.50% · 4.625%
HK$75,596
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,622/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,523 · Scale 2, in force from 26 Feb 2026)