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$33,965
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$1,073/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,190/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,786
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,029/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,026
−HK$1,288/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,950
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,343
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,234/mo
Today · 4.125%
HK$47,793
baseline
▲ 0.50% · 4.625%
HK$50,312
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,586/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,502/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,608
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,440/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$58,698
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,138
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,932/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,925
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,839
−HK$1,851/mo
Today · 4.125%
HK$71,690
baseline
▲ 0.50% · 4.625%
HK$75,468
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,380/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,577 · Scale 2, in force from 26 Feb 2026)