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$33,964
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$1,073/mo
Today · 4.125%
HK$36,093
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,186/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,784
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,028/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,288/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,948
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,234/mo
Today · 4.125%
HK$47,791
baseline
▲ 0.50% · 4.625%
HK$50,310
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,582/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,503/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,898
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,439/mo
Today · 4.125%
HK$55,756
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,512/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,135
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,932/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,012
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,836
−HK$1,850/mo
Today · 4.125%
HK$71,686
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,372/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,550 · Scale 2, in force from 26 Feb 2026)