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$34,042
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,101
−HK$1,076/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,887
−HK$1,031/mo
Today · 4.125%
HK$39,918
baseline
▲ 0.50% · 4.625%
HK$42,022
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,836/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,851
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,121
−HK$1,291/mo
Today · 4.125%
HK$43,412
baseline
▲ 0.50% · 4.625%
HK$46,054
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,824/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,446
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,665
−HK$1,236/mo
Today · 4.125%
HK$47,901
baseline
▲ 0.50% · 4.625%
HK$50,426
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,802/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,659
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,507/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,442
−HK$1,443/mo
Today · 4.125%
HK$55,885
baseline
▲ 0.50% · 4.625%
HK$58,830
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,770/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,276
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,182
−HK$1,936/mo
Today · 4.125%
HK$65,118
baseline
▲ 0.50% · 4.625%
HK$69,081
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,236/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,169
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,997
−HK$1,855/mo
Today · 4.125%
HK$71,852
baseline
▲ 0.50% · 4.625%
HK$75,639
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,704/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,841 · Scale 2, in force from 26 Feb 2026)