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$33,971
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,028
−HK$1,073/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,028/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,765
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,289/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,351
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,567
−HK$1,234/mo
Today · 4.125%
HK$47,801
baseline
▲ 0.50% · 4.625%
HK$50,321
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,602/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,559
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,039
−HK$1,503/mo
Today · 4.125%
HK$50,542
baseline
▲ 0.50% · 4.625%
HK$53,617
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,084/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,909
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,328
−HK$1,440/mo
Today · 4.125%
HK$55,768
baseline
▲ 0.50% · 4.625%
HK$58,707
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,536/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,148
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,932/mo
Today · 4.125%
HK$64,982
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,964/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,026
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,851
−HK$1,851/mo
Today · 4.125%
HK$71,702
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,404/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,671 · Scale 2, in force from 26 Feb 2026)