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$33,989
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$1,074/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,029/mo
Today · 4.125%
HK$39,855
baseline
▲ 0.50% · 4.625%
HK$41,956
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,710/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,289/mo
Today · 4.125%
HK$43,344
baseline
▲ 0.50% · 4.625%
HK$45,981
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,688/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,374
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,591
−HK$1,235/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,347
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,584
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,064
−HK$1,504/mo
Today · 4.125%
HK$50,568
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,136/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,937
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,356
−HK$1,441/mo
Today · 4.125%
HK$55,797
baseline
▲ 0.50% · 4.625%
HK$58,738
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,594/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,934/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$1,852/mo
Today · 4.125%
HK$71,739
baseline
▲ 0.50% · 4.625%
HK$75,520
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,478/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,959 · Scale 2, in force from 26 Feb 2026)