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$33,959
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,015
−HK$1,074/mo
Today · 4.125%
HK$36,089
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$2,195/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,178/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,779
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,792
−HK$1,028/mo
Today · 4.125%
HK$39,820
baseline
▲ 0.50% · 4.625%
HK$41,919
+HK$2,099/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,640/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,018
−HK$1,288/mo
Today · 4.125%
HK$43,306
baseline
▲ 0.50% · 4.625%
HK$45,941
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,612/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,335
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,551
−HK$1,233/mo
Today · 4.125%
HK$47,784
baseline
▲ 0.50% · 4.625%
HK$50,303
+HK$2,519/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,568/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,543
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,503/mo
Today · 4.125%
HK$50,524
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$3,074/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,048/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,309
−HK$1,439/mo
Today · 4.125%
HK$55,748
baseline
▲ 0.50% · 4.625%
HK$58,687
+HK$2,939/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,496/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,126
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,028
−HK$1,931/mo
Today · 4.125%
HK$64,959
baseline
▲ 0.50% · 4.625%
HK$68,912
+HK$3,953/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,918/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,002
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,826
−HK$1,850/mo
Today · 4.125%
HK$71,676
baseline
▲ 0.50% · 4.625%
HK$75,454
+HK$3,778/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,352/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,474 · Scale 2, in force from 26 Feb 2026)