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$33,980
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$1,074/mo
Today · 4.125%
HK$36,111
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,222/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,803
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,817
−HK$1,028/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$41,946
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,045
−HK$1,289/mo
Today · 4.125%
HK$43,334
baseline
▲ 0.50% · 4.625%
HK$45,970
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,668/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,364
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,234/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,573
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,052
−HK$1,504/mo
Today · 4.125%
HK$50,556
baseline
▲ 0.50% · 4.625%
HK$53,632
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,112/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,924
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,344
−HK$1,439/mo
Today · 4.125%
HK$55,783
baseline
▲ 0.50% · 4.625%
HK$58,724
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,566/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,165
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,067
−HK$1,933/mo
Today · 4.125%
HK$65,000
baseline
▲ 0.50% · 4.625%
HK$68,956
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,000/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,045
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,870
−HK$1,852/mo
Today · 4.125%
HK$71,722
baseline
▲ 0.50% · 4.625%
HK$75,502
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,444/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,827 · Scale 2, in force from 26 Feb 2026)