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$33,982
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,074/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,804
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,818
−HK$1,029/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$41,947
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,778
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,046
−HK$1,289/mo
Today · 4.125%
HK$43,335
baseline
▲ 0.50% · 4.625%
HK$45,972
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,670/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,365
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,234/mo
Today · 4.125%
HK$47,816
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,632/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,574
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,054
−HK$1,504/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,634
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,926
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,440/mo
Today · 4.125%
HK$55,785
baseline
▲ 0.50% · 4.625%
HK$58,726
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,570/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,167
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,933/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,958
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,048
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,873
−HK$1,851/mo
Today · 4.125%
HK$71,724
baseline
▲ 0.50% · 4.625%
HK$75,505
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,448/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,847 · Scale 2, in force from 26 Feb 2026)