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$33,974
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,074/mo
Today · 4.125%
HK$36,104
baseline
▲ 0.50% · 4.625%
HK$38,301
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,208/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,809
−HK$1,028/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$41,937
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,768
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,289/mo
Today · 4.125%
HK$43,325
baseline
▲ 0.50% · 4.625%
HK$45,961
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,650/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,571
−HK$1,234/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,325
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,043
−HK$1,503/mo
Today · 4.125%
HK$50,546
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,092/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,913
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,333
−HK$1,439/mo
Today · 4.125%
HK$55,772
baseline
▲ 0.50% · 4.625%
HK$58,712
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,544/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,152
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,055
−HK$1,932/mo
Today · 4.125%
HK$64,987
baseline
▲ 0.50% · 4.625%
HK$68,942
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,974/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,032
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,856
−HK$1,851/mo
Today · 4.125%
HK$71,707
baseline
▲ 0.50% · 4.625%
HK$75,487
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,414/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,714 · Scale 2, in force from 26 Feb 2026)