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$33,980
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,037
−HK$1,074/mo
Today · 4.125%
HK$36,111
baseline
▲ 0.50% · 4.625%
HK$38,308
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,222/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,802
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,816
−HK$1,029/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$41,945
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,044
−HK$1,289/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,970
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,363
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,235/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,334
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,572
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,052
−HK$1,503/mo
Today · 4.125%
HK$50,555
baseline
▲ 0.50% · 4.625%
HK$53,631
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,110/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,923
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,343
−HK$1,440/mo
Today · 4.125%
HK$55,783
baseline
▲ 0.50% · 4.625%
HK$58,723
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,566/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,164
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,066
−HK$1,933/mo
Today · 4.125%
HK$64,999
baseline
▲ 0.50% · 4.625%
HK$68,954
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,998/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,044
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,869
−HK$1,851/mo
Today · 4.125%
HK$71,720
baseline
▲ 0.50% · 4.625%
HK$75,501
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,440/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,818 · Scale 2, in force from 26 Feb 2026)