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$33,929
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$1,072/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$38,251
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,746
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,758
−HK$1,027/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,982
−HK$1,286/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,901
+HK$2,633/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,295
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,510
−HK$1,232/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,259
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,501
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,502/mo
Today · 4.125%
HK$50,480
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,960/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,844
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,262
−HK$1,437/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,073
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,930/mo
Today · 4.125%
HK$64,902
baseline
▲ 0.50% · 4.625%
HK$68,851
+HK$3,949/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,804/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,943
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,765
−HK$1,848/mo
Today · 4.125%
HK$71,613
baseline
▲ 0.50% · 4.625%
HK$75,388
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,226/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,984 · Scale 2, in force from 26 Feb 2026)