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$33,922
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$1,072/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,027/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,706
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,287/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,500
−HK$1,232/mo
Today · 4.125%
HK$47,732
baseline
▲ 0.50% · 4.625%
HK$50,248
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,464/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,501/mo
Today · 4.125%
HK$50,469
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,938/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,833
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,437/mo
Today · 4.125%
HK$55,687
baseline
▲ 0.50% · 4.625%
HK$58,622
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,374/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,059
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,959
−HK$1,929/mo
Today · 4.125%
HK$64,888
baseline
▲ 0.50% · 4.625%
HK$68,837
+HK$3,949/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,776/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,928
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,750
−HK$1,848/mo
Today · 4.125%
HK$71,598
baseline
▲ 0.50% · 4.625%
HK$75,372
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,196/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,862 · Scale 2, in force from 26 Feb 2026)