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$33,925
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$1,072/mo
Today · 4.125%
HK$36,052
baseline
▲ 0.50% · 4.625%
HK$38,246
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,104/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,027/mo
Today · 4.125%
HK$39,780
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,560/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,287/mo
Today · 4.125%
HK$43,263
baseline
▲ 0.50% · 4.625%
HK$45,895
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,526/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,504
−HK$1,232/mo
Today · 4.125%
HK$47,736
baseline
▲ 0.50% · 4.625%
HK$50,252
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,472/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,495
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,501/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,837
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,254
−HK$1,438/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$58,628
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,964
−HK$1,930/mo
Today · 4.125%
HK$64,894
baseline
▲ 0.50% · 4.625%
HK$68,842
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,788/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,756
−HK$1,848/mo
Today · 4.125%
HK$71,604
baseline
▲ 0.50% · 4.625%
HK$75,378
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,208/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,910 · Scale 2, in force from 26 Feb 2026)