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$33,994
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$1,074/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,029/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$41,962
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,722/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,289/mo
Today · 4.125%
HK$43,350
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,700/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,598
−HK$1,235/mo
Today · 4.125%
HK$47,833
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,666/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,071
−HK$1,504/mo
Today · 4.125%
HK$50,575
baseline
▲ 0.50% · 4.625%
HK$53,653
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,150/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,945
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,364
−HK$1,441/mo
Today · 4.125%
HK$55,805
baseline
▲ 0.50% · 4.625%
HK$58,746
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,610/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,188
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,092
−HK$1,933/mo
Today · 4.125%
HK$65,025
baseline
▲ 0.50% · 4.625%
HK$68,982
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,050/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,072
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,897
−HK$1,852/mo
Today · 4.125%
HK$71,749
baseline
▲ 0.50% · 4.625%
HK$75,531
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,498/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,042 · Scale 2, in force from 26 Feb 2026)