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$34,029
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$1,075/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,030/mo
Today · 4.125%
HK$39,903
baseline
▲ 0.50% · 4.625%
HK$42,006
+HK$2,103/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,806/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,290/mo
Today · 4.125%
HK$43,396
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,792/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,429
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,236/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,641
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,123
−HK$1,506/mo
Today · 4.125%
HK$50,629
baseline
▲ 0.50% · 4.625%
HK$53,709
+HK$3,080/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,258/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,422
−HK$1,442/mo
Today · 4.125%
HK$55,864
baseline
▲ 0.50% · 4.625%
HK$58,808
+HK$2,944/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,728/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,253
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,936/mo
Today · 4.125%
HK$65,094
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,188/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,143
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,971
−HK$1,854/mo
Today · 4.125%
HK$71,825
baseline
▲ 0.50% · 4.625%
HK$75,611
+HK$3,786/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,650/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,632 · Scale 2, in force from 26 Feb 2026)