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$33,957
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$1,073/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,790
−HK$1,027/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,748
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,288/mo
Today · 4.125%
HK$43,303
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$86,606/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,547
−HK$1,234/mo
Today · 4.125%
HK$47,781
baseline
▲ 0.50% · 4.625%
HK$50,299
+HK$2,518/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$95,562/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,539
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,502/mo
Today · 4.125%
HK$50,520
baseline
▲ 0.50% · 4.625%
HK$53,594
+HK$3,074/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,040/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,887
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,305
−HK$1,439/mo
Today · 4.125%
HK$55,744
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,488/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,122
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,023
−HK$1,932/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,907
+HK$3,952/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,997
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,821
−HK$1,850/mo
Today · 4.125%
HK$71,671
baseline
▲ 0.50% · 4.625%
HK$75,449
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,342/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,434 · Scale 2, in force from 26 Feb 2026)