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$33,958
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$1,073/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$2,196/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,778
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,028/mo
Today · 4.125%
HK$39,819
baseline
▲ 0.50% · 4.625%
HK$41,918
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,638/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,749
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,017
−HK$1,288/mo
Today · 4.125%
HK$43,305
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,610/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,234/mo
Today · 4.125%
HK$47,783
baseline
▲ 0.50% · 4.625%
HK$50,301
+HK$2,518/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,566/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,541
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,020
−HK$1,502/mo
Today · 4.125%
HK$50,522
baseline
▲ 0.50% · 4.625%
HK$53,596
+HK$3,074/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,044/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,889
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,439/mo
Today · 4.125%
HK$55,746
baseline
▲ 0.50% · 4.625%
HK$58,685
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,492/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,124
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,025
−HK$1,932/mo
Today · 4.125%
HK$64,957
baseline
▲ 0.50% · 4.625%
HK$68,910
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,914/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,000
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,824
−HK$1,850/mo
Today · 4.125%
HK$71,674
baseline
▲ 0.50% · 4.625%
HK$75,452
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,348/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,455 · Scale 2, in force from 26 Feb 2026)