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$33,968
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$1,074/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,789
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,802
−HK$1,028/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$41,930
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,029
−HK$1,288/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,346
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,563
−HK$1,233/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,316
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,555
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,034
−HK$1,503/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,612
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,904
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,439/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$58,702
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,142
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,044
−HK$1,932/mo
Today · 4.125%
HK$64,976
baseline
▲ 0.50% · 4.625%
HK$68,929
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,952/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,020
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,844
−HK$1,850/mo
Today · 4.125%
HK$71,694
baseline
▲ 0.50% · 4.625%
HK$75,474
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,388/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,616 · Scale 2, in force from 26 Feb 2026)