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$33,975
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,032
−HK$1,074/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,028/mo
Today · 4.125%
HK$39,839
baseline
▲ 0.50% · 4.625%
HK$41,939
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,678/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,038
−HK$1,289/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,963
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,356
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,234/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,565
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,503/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,916
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,335
−HK$1,440/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$58,715
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,155
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,058
−HK$1,932/mo
Today · 4.125%
HK$64,990
baseline
▲ 0.50% · 4.625%
HK$68,945
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,980/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,035
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,859
−HK$1,851/mo
Today · 4.125%
HK$71,710
baseline
▲ 0.50% · 4.625%
HK$75,490
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,420/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,740 · Scale 2, in force from 26 Feb 2026)