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$33,976
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,074/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,029/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,771
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,288/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,234/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,566
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,504/mo
Today · 4.125%
HK$50,549
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,098/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,916
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,336
−HK$1,439/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$58,715
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,156
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,933/mo
Today · 4.125%
HK$64,991
baseline
▲ 0.50% · 4.625%
HK$68,946
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,982/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,035
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,860
−HK$1,851/mo
Today · 4.125%
HK$71,711
baseline
▲ 0.50% · 4.625%
HK$75,491
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,422/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,746 · Scale 2, in force from 26 Feb 2026)