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$33,982
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,074/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,028/mo
Today · 4.125%
HK$39,847
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,694/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,779
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,047
−HK$1,289/mo
Today · 4.125%
HK$43,336
baseline
▲ 0.50% · 4.625%
HK$45,973
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,672/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,366
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,235/mo
Today · 4.125%
HK$47,817
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,634/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,055
−HK$1,503/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,635
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,927
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,440/mo
Today · 4.125%
HK$55,786
baseline
▲ 0.50% · 4.625%
HK$58,727
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,572/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,934/mo
Today · 4.125%
HK$65,004
baseline
▲ 0.50% · 4.625%
HK$68,959
+HK$3,955/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,008/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,049
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,874
−HK$1,851/mo
Today · 4.125%
HK$71,725
baseline
▲ 0.50% · 4.625%
HK$75,506
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,450/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,854 · Scale 2, in force from 26 Feb 2026)