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$33,926
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$1,072/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,027/mo
Today · 4.125%
HK$39,782
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,564/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,978
−HK$1,286/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,897
+HK$2,633/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,291
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,506
−HK$1,232/mo
Today · 4.125%
HK$47,738
baseline
▲ 0.50% · 4.625%
HK$50,254
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,476/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,974
−HK$1,501/mo
Today · 4.125%
HK$50,475
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,950/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,257
−HK$1,437/mo
Today · 4.125%
HK$55,694
baseline
▲ 0.50% · 4.625%
HK$58,630
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,388/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,067
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,967
−HK$1,930/mo
Today · 4.125%
HK$64,897
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,794/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,937
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,759
−HK$1,848/mo
Today · 4.125%
HK$71,607
baseline
▲ 0.50% · 4.625%
HK$75,382
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,214/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,935 · Scale 2, in force from 26 Feb 2026)