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$33,943
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$1,072/mo
Today · 4.125%
HK$36,071
baseline
▲ 0.50% · 4.625%
HK$38,266
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,142/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,761
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,774
−HK$1,027/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$41,899
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,731
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$41,998
−HK$1,288/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,633/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,528
−HK$1,233/mo
Today · 4.125%
HK$47,761
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,522/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,502/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,283
−HK$1,439/mo
Today · 4.125%
HK$55,722
baseline
▲ 0.50% · 4.625%
HK$58,659
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,444/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,097
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,997
−HK$1,931/mo
Today · 4.125%
HK$64,928
baseline
▲ 0.50% · 4.625%
HK$68,879
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,856/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,970
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,793
−HK$1,849/mo
Today · 4.125%
HK$71,642
baseline
▲ 0.50% · 4.625%
HK$75,418
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,284/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,207 · Scale 2, in force from 26 Feb 2026)