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$33,990
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$1,074/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,319
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,029/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,788
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,056
−HK$1,289/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,983
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,376
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,593
−HK$1,234/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,348
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,066
−HK$1,504/mo
Today · 4.125%
HK$50,570
baseline
▲ 0.50% · 4.625%
HK$53,647
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,140/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,939
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,441/mo
Today · 4.125%
HK$55,799
baseline
▲ 0.50% · 4.625%
HK$58,740
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,598/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,085
−HK$1,933/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,064
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,889
−HK$1,852/mo
Today · 4.125%
HK$71,741
baseline
▲ 0.50% · 4.625%
HK$75,523
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,482/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,979 · Scale 2, in force from 26 Feb 2026)