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$33,934
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$1,073/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,751
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,763
−HK$1,028/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,287/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,633/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,301
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,516
−HK$1,233/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,507
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,985
−HK$1,501/mo
Today · 4.125%
HK$50,486
baseline
▲ 0.50% · 4.625%
HK$53,558
+HK$3,072/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,972/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,851
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,438/mo
Today · 4.125%
HK$55,707
baseline
▲ 0.50% · 4.625%
HK$58,643
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,414/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,981
−HK$1,930/mo
Today · 4.125%
HK$64,911
baseline
▲ 0.50% · 4.625%
HK$68,861
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,822/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,952
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,774
−HK$1,849/mo
Today · 4.125%
HK$71,623
baseline
▲ 0.50% · 4.625%
HK$75,398
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,246/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,059 · Scale 2, in force from 26 Feb 2026)