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$35,021
−HK$1,074/mo
Today · 4.125%
HK$36,095
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$2,196/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,785
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,799
−HK$1,028/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,289/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,635/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,559
−HK$1,233/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,030
−HK$1,502/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,318
−HK$1,440/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$58,697
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.43M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,568 · 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$68,924
+HK$3,954/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$558,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,838
−HK$1,850/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$558,568 · Scale 2, in force from 26 Feb 2026)