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$34,000
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,075/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,331
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,825
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,029/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$41,970
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,289/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,639/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,389
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,607
−HK$1,235/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,363
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,080
−HK$1,505/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,663
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,954
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,375
−HK$1,440/mo
Today · 4.125%
HK$55,815
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,630/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,200
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,103
−HK$1,935/mo
Today · 4.125%
HK$65,038
baseline
▲ 0.50% · 4.625%
HK$68,995
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,076/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,084
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,910
−HK$1,853/mo
Today · 4.125%
HK$71,763
baseline
▲ 0.50% · 4.625%
HK$75,545
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,526/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,146 · Scale 2, in force from 26 Feb 2026)