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$33,937
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$1,072/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,027/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,287/mo
Today · 4.125%
HK$43,278
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,556/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,305
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,521
−HK$1,232/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,270
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,990
−HK$1,501/mo
Today · 4.125%
HK$50,491
baseline
▲ 0.50% · 4.625%
HK$53,563
+HK$3,072/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,982/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,856
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,438/mo
Today · 4.125%
HK$55,712
baseline
▲ 0.50% · 4.625%
HK$58,649
+HK$2,937/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,424/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,087
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,987
−HK$1,930/mo
Today · 4.125%
HK$64,917
baseline
▲ 0.50% · 4.625%
HK$68,867
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,834/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,958
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,781
−HK$1,849/mo
Today · 4.125%
HK$71,630
baseline
▲ 0.50% · 4.625%
HK$75,405
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,112 · Scale 2, in force from 26 Feb 2026)