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$33,978
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$1,074/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,800
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,028/mo
Today · 4.125%
HK$39,842
baseline
▲ 0.50% · 4.625%
HK$41,943
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,684/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,774
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,288/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,360
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,577
−HK$1,234/mo
Today · 4.125%
HK$47,811
baseline
▲ 0.50% · 4.625%
HK$50,331
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,622/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,569
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,049
−HK$1,503/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,628
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,340
−HK$1,439/mo
Today · 4.125%
HK$55,779
baseline
▲ 0.50% · 4.625%
HK$58,720
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,558/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,160
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,933/mo
Today · 4.125%
HK$64,996
baseline
▲ 0.50% · 4.625%
HK$68,951
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,992/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,040
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,865
−HK$1,851/mo
Today · 4.125%
HK$71,716
baseline
▲ 0.50% · 4.625%
HK$75,497
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,432/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,787 · Scale 2, in force from 26 Feb 2026)