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$2,133/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$1,075/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,030/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,820
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,290/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$46,020
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,412
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,630
−HK$1,236/mo
Today · 4.125%
HK$47,866
baseline
▲ 0.50% · 4.625%
HK$50,389
+HK$2,523/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$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,505/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,981
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,402
−HK$1,441/mo
Today · 4.125%
HK$55,843
baseline
▲ 0.50% · 4.625%
HK$58,787
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,686/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,230
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,135
−HK$1,935/mo
Today · 4.125%
HK$65,070
baseline
▲ 0.50% · 4.625%
HK$69,030
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,140/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,118
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,945
−HK$1,854/mo
Today · 4.125%
HK$71,799
baseline
▲ 0.50% · 4.625%
HK$75,583
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,598/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,427 · Scale 2, in force from 26 Feb 2026)