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$33,945
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$1,072/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,763
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,776
−HK$1,028/mo
Today · 4.125%
HK$39,804
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,608/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,287/mo
Today · 4.125%
HK$43,288
baseline
▲ 0.50% · 4.625%
HK$45,922
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,576/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,316
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,531
−HK$1,233/mo
Today · 4.125%
HK$47,764
baseline
▲ 0.50% · 4.625%
HK$50,282
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,528/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,523
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,001
−HK$1,502/mo
Today · 4.125%
HK$50,503
baseline
▲ 0.50% · 4.625%
HK$53,576
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,006/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,869
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,287
−HK$1,438/mo
Today · 4.125%
HK$55,725
baseline
▲ 0.50% · 4.625%
HK$58,662
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,450/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,101
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,931/mo
Today · 4.125%
HK$64,932
baseline
▲ 0.50% · 4.625%
HK$68,883
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,864/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,974
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,797
−HK$1,849/mo
Today · 4.125%
HK$71,646
baseline
▲ 0.50% · 4.625%
HK$75,423
+HK$3,777/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,292/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,241 · Scale 2, in force from 26 Feb 2026)