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$34,024
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$1,075/mo
Today · 4.125%
HK$36,157
baseline
▲ 0.50% · 4.625%
HK$38,357
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,314/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,030/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,828
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,291/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,236/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,633
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,115
−HK$1,505/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,991
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,413
−HK$1,441/mo
Today · 4.125%
HK$55,854
baseline
▲ 0.50% · 4.625%
HK$58,799
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.44M · min. income ≈ HK$111,708/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,243
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,935/mo
Today · 4.125%
HK$65,083
baseline
▲ 0.50% · 4.625%
HK$69,043
+HK$3,960/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,166/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,132
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,959
−HK$1,854/mo
Today · 4.125%
HK$71,813
baseline
▲ 0.50% · 4.625%
HK$75,598
+HK$3,785/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,626/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,538 · Scale 2, in force from 26 Feb 2026)