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$33,997
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$1,074/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,199/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,029/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,797
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,289/mo
Today · 4.125%
HK$43,355
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,710/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,603
−HK$1,235/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,360
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,596
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,077
−HK$1,504/mo
Today · 4.125%
HK$50,581
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,162/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,950
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,370
−HK$1,441/mo
Today · 4.125%
HK$55,811
baseline
▲ 0.50% · 4.625%
HK$58,753
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,622/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,099
−HK$1,934/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,990
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,079
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,905
−HK$1,852/mo
Today · 4.125%
HK$71,757
baseline
▲ 0.50% · 4.625%
HK$75,540
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,514/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,104 · Scale 2, in force from 26 Feb 2026)