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$33,972
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$1,073/mo
Today · 4.125%
HK$36,102
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$2,197/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,204/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,793
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,028/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,100/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,289/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,636/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,234/mo
Today · 4.125%
HK$47,802
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,520/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,604/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,503/mo
Today · 4.125%
HK$50,543
baseline
▲ 0.50% · 4.625%
HK$53,619
+HK$3,076/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$101,086/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,911
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,439/mo
Today · 4.125%
HK$55,769
baseline
▲ 0.50% · 4.625%
HK$58,709
+HK$2,940/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,538/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,150
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,052
−HK$1,932/mo
Today · 4.125%
HK$64,984
baseline
▲ 0.50% · 4.625%
HK$68,938
+HK$3,954/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$129,968/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,028
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,853
−HK$1,851/mo
Today · 4.125%
HK$71,704
baseline
▲ 0.50% · 4.625%
HK$75,483
+HK$3,779/mo
Deposit HK$1.49M · loan HK$13.41M · min. income ≈ HK$143,408/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,687 · Scale 2, in force from 26 Feb 2026)