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$33,985
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,822
−HK$1,029/mo
Today · 4.125%
HK$39,851
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,702/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,782
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,051
−HK$1,288/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,637/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,235/mo
Today · 4.125%
HK$47,821
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,642/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,579
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,059
−HK$1,504/mo
Today · 4.125%
HK$50,563
baseline
▲ 0.50% · 4.625%
HK$53,639
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,126/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,931
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,440/mo
Today · 4.125%
HK$55,791
baseline
▲ 0.50% · 4.625%
HK$58,732
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,582/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,173
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,076
−HK$1,933/mo
Today · 4.125%
HK$65,009
baseline
▲ 0.50% · 4.625%
HK$68,965
+HK$3,956/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$130,018/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,054
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,879
−HK$1,852/mo
Today · 4.125%
HK$71,731
baseline
▲ 0.50% · 4.625%
HK$75,512
+HK$3,781/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,462/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,901 · Scale 2, in force from 26 Feb 2026)