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$34,032
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$1,076/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$2,200/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,876
−HK$1,030/mo
Today · 4.125%
HK$39,906
baseline
▲ 0.50% · 4.625%
HK$42,010
+HK$2,104/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,812/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,291/mo
Today · 4.125%
HK$43,400
baseline
▲ 0.50% · 4.625%
HK$46,041
+HK$2,641/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,800/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,433
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,651
−HK$1,236/mo
Today · 4.125%
HK$47,887
baseline
▲ 0.50% · 4.625%
HK$50,412
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,774/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,645
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,127
−HK$1,506/mo
Today · 4.125%
HK$50,633
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$3,081/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,266/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,005
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,442/mo
Today · 4.125%
HK$55,869
baseline
▲ 0.50% · 4.625%
HK$58,814
+HK$2,945/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,738/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,258
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,936/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$69,061
+HK$3,961/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,149
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,977
−HK$1,854/mo
Today · 4.125%
HK$71,831
baseline
▲ 0.50% · 4.625%
HK$75,617
+HK$3,786/mo
Deposit HK$1.49M · loan HK$13.43M · min. income ≈ HK$143,662/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,681 · Scale 2, in force from 26 Feb 2026)