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$33,970
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$1,073/mo
Today · 4.125%
HK$36,100
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,200/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,791
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,028/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,764
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,032
−HK$1,288/mo
Today · 4.125%
HK$43,320
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,640/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,349
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,234/mo
Today · 4.125%
HK$47,800
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,600/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,558
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,037
−HK$1,503/mo
Today · 4.125%
HK$50,540
baseline
▲ 0.50% · 4.625%
HK$53,615
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,080/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,908
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,327
−HK$1,439/mo
Today · 4.125%
HK$55,766
baseline
▲ 0.50% · 4.625%
HK$58,706
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,532/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,146
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,048
−HK$1,932/mo
Today · 4.125%
HK$64,980
baseline
▲ 0.50% · 4.625%
HK$68,934
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,960/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,024
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,849
−HK$1,850/mo
Today · 4.125%
HK$71,699
baseline
▲ 0.50% · 4.625%
HK$75,479
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,398/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,653 · Scale 2, in force from 26 Feb 2026)