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$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$1,074/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,835
−HK$1,029/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,290/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,602
−HK$1,234/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,075
−HK$1,504/mo
Today · 4.125%
HK$50,579
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,158/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,948
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,368
−HK$1,441/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,193
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,096
−HK$1,934/mo
Today · 4.125%
HK$65,030
baseline
▲ 0.50% · 4.625%
HK$68,987
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,060/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,902
−HK$1,852/mo
Today · 4.125%
HK$71,754
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,508/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,084 · Scale 2, in force from 26 Feb 2026)