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$33,938
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$1,072/mo
Today · 4.125%
HK$36,066
baseline
▲ 0.50% · 4.625%
HK$38,261
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,132/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,756
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,028/mo
Today · 4.125%
HK$39,796
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,592/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,726
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,287/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,522
−HK$1,233/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,272
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,513
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,991
−HK$1,502/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,565
+HK$3,072/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,858
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,438/mo
Today · 4.125%
HK$55,714
baseline
▲ 0.50% · 4.625%
HK$58,650
+HK$2,936/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,428/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,088
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,989
−HK$1,930/mo
Today · 4.125%
HK$64,919
baseline
▲ 0.50% · 4.625%
HK$68,869
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,838/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,960
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,783
−HK$1,849/mo
Today · 4.125%
HK$71,632
baseline
▲ 0.50% · 4.625%
HK$75,408
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,264/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,129 · Scale 2, in force from 26 Feb 2026)