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$33,973
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$1,073/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,808
−HK$1,028/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,768
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,288/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,353
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,234/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,324
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,562
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,503/mo
Today · 4.125%
HK$50,545
baseline
▲ 0.50% · 4.625%
HK$53,620
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,090/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,912
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,331
−HK$1,440/mo
Today · 4.125%
HK$55,771
baseline
▲ 0.50% · 4.625%
HK$58,711
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,542/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,151
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,053
−HK$1,933/mo
Today · 4.125%
HK$64,986
baseline
▲ 0.50% · 4.625%
HK$68,940
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,972/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,030
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,855
−HK$1,851/mo
Today · 4.125%
HK$71,706
baseline
▲ 0.50% · 4.625%
HK$75,485
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,412/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,703 · Scale 2, in force from 26 Feb 2026)