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$33,971
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$1,074/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,029/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,288/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,351
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,234/mo
Today · 4.125%
HK$47,802
baseline
▲ 0.50% · 4.625%
HK$50,321
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,604/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,560
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,039
−HK$1,503/mo
Today · 4.125%
HK$50,542
baseline
▲ 0.50% · 4.625%
HK$53,618
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,084/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,910
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,329
−HK$1,440/mo
Today · 4.125%
HK$55,769
baseline
▲ 0.50% · 4.625%
HK$58,708
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,538/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,149
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,932/mo
Today · 4.125%
HK$64,983
baseline
▲ 0.50% · 4.625%
HK$68,937
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,966/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,027
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,852
−HK$1,850/mo
Today · 4.125%
HK$71,702
baseline
▲ 0.50% · 4.625%
HK$75,482
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,404/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,678 · Scale 2, in force from 26 Feb 2026)