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$34,041
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$1,075/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$2,202/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,030/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,020
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,849
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,120
−HK$1,291/mo
Today · 4.125%
HK$43,411
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,822/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,444
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,236/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,424
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,140
−HK$1,506/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,727
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,442/mo
Today · 4.125%
HK$55,882
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$2,946/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,764/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,273
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,179
−HK$1,937/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$69,078
+HK$3,962/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,166
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,994
−HK$1,855/mo
Today · 4.125%
HK$71,849
baseline
▲ 0.50% · 4.625%
HK$75,636
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,698/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,819 · Scale 2, in force from 26 Feb 2026)