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$34,013
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$1,074/mo
Today · 4.125%
HK$36,145
baseline
▲ 0.50% · 4.625%
HK$38,345
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,290/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,030/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$41,985
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,290/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,406
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,235/mo
Today · 4.125%
HK$47,859
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,523/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,718/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,618
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,099
−HK$1,505/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,683
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,974
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,395
−HK$1,441/mo
Today · 4.125%
HK$55,836
baseline
▲ 0.50% · 4.625%
HK$58,779
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,672/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,223
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,127
−HK$1,935/mo
Today · 4.125%
HK$65,062
baseline
▲ 0.50% · 4.625%
HK$69,021
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,124/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,109
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,936
−HK$1,853/mo
Today · 4.125%
HK$71,789
baseline
▲ 0.50% · 4.625%
HK$75,573
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,578/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,354 · Scale 2, in force from 26 Feb 2026)