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$33,963
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$1,073/mo
Today · 4.125%
HK$36,093
baseline
▲ 0.50% · 4.625%
HK$38,289
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,186/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,784
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,797
−HK$1,028/mo
Today · 4.125%
HK$39,825
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,650/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,288/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,947
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,233/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,309
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,502/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,605
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,897
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,439/mo
Today · 4.125%
HK$55,755
baseline
▲ 0.50% · 4.625%
HK$58,694
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,510/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,134
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,932/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,011
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$1,850/mo
Today · 4.125%
HK$71,685
baseline
▲ 0.50% · 4.625%
HK$75,464
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,370/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,545 · Scale 2, in force from 26 Feb 2026)