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$34,017
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$1,075/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,030/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,821
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,091
−HK$1,290/mo
Today · 4.125%
HK$43,381
baseline
▲ 0.50% · 4.625%
HK$46,020
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,762/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,631
−HK$1,235/mo
Today · 4.125%
HK$47,866
baseline
▲ 0.50% · 4.625%
HK$50,390
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,732/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,106
−HK$1,505/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$3,079/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,403
−HK$1,441/mo
Today · 4.125%
HK$55,844
baseline
▲ 0.50% · 4.625%
HK$58,788
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,688/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,231
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,136
−HK$1,935/mo
Today · 4.125%
HK$65,071
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,142/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,119
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,946
−HK$1,854/mo
Today · 4.125%
HK$71,800
baseline
▲ 0.50% · 4.625%
HK$75,584
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,600/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,435 · Scale 2, in force from 26 Feb 2026)