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$33,972
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$1,074/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,794
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,029/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,288/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,234/mo
Today · 4.125%
HK$47,803
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,606/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,504/mo
Today · 4.125%
HK$50,544
baseline
▲ 0.50% · 4.625%
HK$53,619
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,088/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,911
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,440/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$58,709
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,150
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,052
−HK$1,933/mo
Today · 4.125%
HK$64,985
baseline
▲ 0.50% · 4.625%
HK$68,939
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,970/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,029
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$1,851/mo
Today · 4.125%
HK$71,704
baseline
▲ 0.50% · 4.625%
HK$75,484
+HK$3,780/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,408/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,690 · Scale 2, in force from 26 Feb 2026)