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$2,132/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$1,074/mo
Today · 4.125%
HK$36,126
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,252/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,833
−HK$1,028/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,102/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$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,793
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,062
−HK$1,289/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,989
+HK$2,638/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$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,382
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,599
−HK$1,235/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,355
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,592
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,072
−HK$1,504/mo
Today · 4.125%
HK$50,576
baseline
▲ 0.50% · 4.625%
HK$53,654
+HK$3,078/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$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,946
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,366
−HK$1,440/mo
Today · 4.125%
HK$55,806
baseline
▲ 0.50% · 4.625%
HK$58,748
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,612/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,190
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,093
−HK$1,934/mo
Today · 4.125%
HK$65,027
baseline
▲ 0.50% · 4.625%
HK$68,984
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,054/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,073
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,899
−HK$1,852/mo
Today · 4.125%
HK$71,751
baseline
▲ 0.50% · 4.625%
HK$75,533
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,502/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,054 · Scale 2, in force from 26 Feb 2026)