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$33,977
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$1,074/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,028/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,772
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,288/mo
Today · 4.125%
HK$43,329
baseline
▲ 0.50% · 4.625%
HK$45,966
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,658/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,359
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,575
−HK$1,234/mo
Today · 4.125%
HK$47,809
baseline
▲ 0.50% · 4.625%
HK$50,330
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,618/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,568
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,504/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,627
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,919
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,338
−HK$1,440/mo
Today · 4.125%
HK$55,778
baseline
▲ 0.50% · 4.625%
HK$58,718
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,556/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,159
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,061
−HK$1,933/mo
Today · 4.125%
HK$64,994
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,988/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,038
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,863
−HK$1,851/mo
Today · 4.125%
HK$71,714
baseline
▲ 0.50% · 4.625%
HK$75,494
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,428/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,770 · Scale 2, in force from 26 Feb 2026)