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$33,967
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$1,073/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,802
−HK$1,028/mo
Today · 4.125%
HK$39,830
baseline
▲ 0.50% · 4.625%
HK$41,929
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,660/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,289/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,346
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,562
−HK$1,234/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,315
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,503/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,903
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,439/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,141
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,043
−HK$1,932/mo
Today · 4.125%
HK$64,975
baseline
▲ 0.50% · 4.625%
HK$68,928
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,950/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,018
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,843
−HK$1,850/mo
Today · 4.125%
HK$71,693
baseline
▲ 0.50% · 4.625%
HK$75,472
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,386/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,607 · Scale 2, in force from 26 Feb 2026)