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$33,948
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$1,072/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$2,196/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,028/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,288/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,634/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,320
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,233/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,286
+HK$2,518/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,527
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,005
−HK$1,502/mo
Today · 4.125%
HK$50,507
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,014/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,291
−HK$1,438/mo
Today · 4.125%
HK$55,729
baseline
▲ 0.50% · 4.625%
HK$58,667
+HK$2,938/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,458/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,106
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,952/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,803
−HK$1,849/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$75,429
+HK$3,777/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,286 · Scale 2, in force from 26 Feb 2026)