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$33,960
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,016
−HK$1,073/mo
Today · 4.125%
HK$36,089
baseline
▲ 0.50% · 4.625%
HK$38,285
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,178/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,028/mo
Today · 4.125%
HK$39,821
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,642/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,019
−HK$1,288/mo
Today · 4.125%
HK$43,307
baseline
▲ 0.50% · 4.625%
HK$45,942
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,614/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,336
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,233/mo
Today · 4.125%
HK$47,785
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,570/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,543
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,503/mo
Today · 4.125%
HK$50,525
baseline
▲ 0.50% · 4.625%
HK$53,599
+HK$3,074/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,050/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,892
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,310
−HK$1,439/mo
Today · 4.125%
HK$55,749
baseline
▲ 0.50% · 4.625%
HK$58,688
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,498/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,127
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,029
−HK$1,931/mo
Today · 4.125%
HK$64,960
baseline
▲ 0.50% · 4.625%
HK$68,913
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,920/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,003
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,827
−HK$1,850/mo
Today · 4.125%
HK$71,677
baseline
▲ 0.50% · 4.625%
HK$75,456
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,354/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,484 · Scale 2, in force from 26 Feb 2026)