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$33,983
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$1,074/mo
Today · 4.125%
HK$36,114
baseline
▲ 0.50% · 4.625%
HK$38,311
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,228/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,029/mo
Today · 4.125%
HK$39,848
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,696/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,779
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,289/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,973
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,583
−HK$1,235/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,338
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,503/mo
Today · 4.125%
HK$50,559
baseline
▲ 0.50% · 4.625%
HK$53,636
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,118/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,928
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,440/mo
Today · 4.125%
HK$55,787
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,574/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,169
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,072
−HK$1,933/mo
Today · 4.125%
HK$65,005
baseline
▲ 0.50% · 4.625%
HK$68,960
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,010/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,050
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,875
−HK$1,851/mo
Today · 4.125%
HK$71,726
baseline
▲ 0.50% · 4.625%
HK$75,507
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,452/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,865 · Scale 2, in force from 26 Feb 2026)