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$33,988
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$1,074/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,811
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,029/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,054
−HK$1,289/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,980
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,373
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,234/mo
Today · 4.125%
HK$47,824
baseline
▲ 0.50% · 4.625%
HK$50,345
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,648/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,583
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,063
−HK$1,504/mo
Today · 4.125%
HK$50,567
baseline
▲ 0.50% · 4.625%
HK$53,643
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,134/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,935
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,355
−HK$1,440/mo
Today · 4.125%
HK$55,795
baseline
▲ 0.50% · 4.625%
HK$58,736
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,590/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,178
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,081
−HK$1,933/mo
Today · 4.125%
HK$65,014
baseline
▲ 0.50% · 4.625%
HK$68,970
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,028/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,060
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,885
−HK$1,852/mo
Today · 4.125%
HK$71,737
baseline
▲ 0.50% · 4.625%
HK$75,518
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,474/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,944 · Scale 2, in force from 26 Feb 2026)