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$33,994
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$1,074/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$2,199/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,029/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$41,962
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,722/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,793
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,290/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,702/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,598
−HK$1,235/mo
Today · 4.125%
HK$47,833
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,666/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,072
−HK$1,504/mo
Today · 4.125%
HK$50,576
baseline
▲ 0.50% · 4.625%
HK$53,653
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,152/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,945
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,365
−HK$1,440/mo
Today · 4.125%
HK$55,805
baseline
▲ 0.50% · 4.625%
HK$58,747
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,610/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,189
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,092
−HK$1,934/mo
Today · 4.125%
HK$65,026
baseline
▲ 0.50% · 4.625%
HK$68,983
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,052/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,072
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,898
−HK$1,852/mo
Today · 4.125%
HK$71,750
baseline
▲ 0.50% · 4.625%
HK$75,532
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,500/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,046 · Scale 2, in force from 26 Feb 2026)