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$33,991
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$1,074/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,029/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,059
−HK$1,289/mo
Today · 4.125%
HK$43,348
baseline
▲ 0.50% · 4.625%
HK$45,985
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,696/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,378
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,235/mo
Today · 4.125%
HK$47,830
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,660/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,588
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,068
−HK$1,504/mo
Today · 4.125%
HK$50,572
baseline
▲ 0.50% · 4.625%
HK$53,649
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,144/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,941
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,361
−HK$1,440/mo
Today · 4.125%
HK$55,801
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,602/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,185
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,088
−HK$1,933/mo
Today · 4.125%
HK$65,021
baseline
▲ 0.50% · 4.625%
HK$68,978
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,042/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,893
−HK$1,852/mo
Today · 4.125%
HK$71,745
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,490/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,007 · Scale 2, in force from 26 Feb 2026)