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$33,962
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,018
−HK$1,073/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$38,288
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,795
−HK$1,028/mo
Today · 4.125%
HK$39,823
baseline
▲ 0.50% · 4.625%
HK$41,922
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,646/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,754
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,022
−HK$1,288/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,945
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,339
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,554
−HK$1,234/mo
Today · 4.125%
HK$47,788
baseline
▲ 0.50% · 4.625%
HK$50,307
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,576/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,546
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,503/mo
Today · 4.125%
HK$50,528
baseline
▲ 0.50% · 4.625%
HK$53,603
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,056/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,895
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,439/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$58,691
+HK$2,938/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,131
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,033
−HK$1,932/mo
Today · 4.125%
HK$64,965
baseline
▲ 0.50% · 4.625%
HK$68,918
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,930/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,008
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,832
−HK$1,850/mo
Today · 4.125%
HK$71,682
baseline
▲ 0.50% · 4.625%
HK$75,460
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,364/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,519 · Scale 2, in force from 26 Feb 2026)