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$33,969
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$1,074/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,295
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,803
−HK$1,029/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,762
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,030
−HK$1,289/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,954
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,348
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,234/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,317
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,503/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,906
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,439/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$58,704
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,144
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,932/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,932
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,022
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,846
−HK$1,851/mo
Today · 4.125%
HK$71,697
baseline
▲ 0.50% · 4.625%
HK$75,476
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,394/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,634 · Scale 2, in force from 26 Feb 2026)