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$2,130/mo
▼ 0.25% · 3.875%
HK$35,021
−HK$1,073/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,029/mo
Today · 4.125%
HK$39,827
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,654/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,757
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,288/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,558
−HK$1,234/mo
Today · 4.125%
HK$47,792
baseline
▲ 0.50% · 4.625%
HK$50,311
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,584/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,550
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,029
−HK$1,503/mo
Today · 4.125%
HK$50,532
baseline
▲ 0.50% · 4.625%
HK$53,607
+HK$3,075/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,064/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,318
−HK$1,439/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$58,696
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,932/mo
Today · 4.125%
HK$64,970
baseline
▲ 0.50% · 4.625%
HK$68,923
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,940/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,013
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,837
−HK$1,851/mo
Today · 4.125%
HK$71,688
baseline
▲ 0.50% · 4.625%
HK$75,467
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,376/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,564 · Scale 2, in force from 26 Feb 2026)