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$33,924
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$1,072/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$38,244
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,740
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,752
−HK$1,027/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,708
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,975
−HK$1,286/mo
Today · 4.125%
HK$43,261
baseline
▲ 0.50% · 4.625%
HK$45,893
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,522/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,288
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,232/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,250
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,501/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,252
−HK$1,438/mo
Today · 4.125%
HK$55,690
baseline
▲ 0.50% · 4.625%
HK$58,626
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,380/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,930/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,840
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,931
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,753
−HK$1,848/mo
Today · 4.125%
HK$71,601
baseline
▲ 0.50% · 4.625%
HK$75,376
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,202/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,891 · Scale 2, in force from 26 Feb 2026)