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$33,987
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,044
−HK$1,074/mo
Today · 4.125%
HK$36,118
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,236/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,029/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,784
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,053
−HK$1,289/mo
Today · 4.125%
HK$43,342
baseline
▲ 0.50% · 4.625%
HK$45,979
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,684/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,372
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,589
−HK$1,234/mo
Today · 4.125%
HK$47,823
baseline
▲ 0.50% · 4.625%
HK$50,344
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,646/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,582
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,062
−HK$1,503/mo
Today · 4.125%
HK$50,565
baseline
▲ 0.50% · 4.625%
HK$53,642
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,130/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,934
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,354
−HK$1,440/mo
Today · 4.125%
HK$55,794
baseline
▲ 0.50% · 4.625%
HK$58,735
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,588/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,176
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,079
−HK$1,934/mo
Today · 4.125%
HK$65,013
baseline
▲ 0.50% · 4.625%
HK$68,969
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,026/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,058
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,883
−HK$1,852/mo
Today · 4.125%
HK$71,735
baseline
▲ 0.50% · 4.625%
HK$75,516
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,470/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,933 · Scale 2, in force from 26 Feb 2026)