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$34,038
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$1,076/mo
Today · 4.125%
HK$36,172
baseline
▲ 0.50% · 4.625%
HK$38,373
+HK$2,201/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,344/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,866
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,882
−HK$1,030/mo
Today · 4.125%
HK$39,912
baseline
▲ 0.50% · 4.625%
HK$42,016
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,824/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,845
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,116
−HK$1,290/mo
Today · 4.125%
HK$43,406
baseline
▲ 0.50% · 4.625%
HK$46,048
+HK$2,642/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,812/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,237/mo
Today · 4.125%
HK$47,895
baseline
▲ 0.50% · 4.625%
HK$50,419
+HK$2,524/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,790/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,653
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,135
−HK$1,506/mo
Today · 4.125%
HK$50,641
baseline
▲ 0.50% · 4.625%
HK$53,722
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,282/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,013
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,435
−HK$1,442/mo
Today · 4.125%
HK$55,877
baseline
▲ 0.50% · 4.625%
HK$58,822
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,754/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,268
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,937/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$69,071
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$1,854/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$75,629
+HK$3,787/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,766 · Scale 2, in force from 26 Feb 2026)