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$33,956
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,012
−HK$1,073/mo
Today · 4.125%
HK$36,085
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,170/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,028/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$41,915
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,288/mo
Today · 4.125%
HK$43,302
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$86,604/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,330
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,233/mo
Today · 4.125%
HK$47,779
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$95,558/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,502/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$3,074/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,885
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,439/mo
Today · 4.125%
HK$55,743
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$2,938/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,486/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,120
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,021
−HK$1,932/mo
Today · 4.125%
HK$64,953
baseline
▲ 0.50% · 4.625%
HK$68,905
+HK$3,952/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,906/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,995
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,819
−HK$1,850/mo
Today · 4.125%
HK$71,669
baseline
▲ 0.50% · 4.625%
HK$75,447
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,338/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,418 · Scale 2, in force from 26 Feb 2026)