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$33,936
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$1,073/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$38,258
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,027/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,723
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,989
−HK$1,287/mo
Today · 4.125%
HK$43,276
baseline
▲ 0.50% · 4.625%
HK$45,910
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,552/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,304
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,232/mo
Today · 4.125%
HK$47,751
baseline
▲ 0.50% · 4.625%
HK$50,268
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,502/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,510
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,988
−HK$1,501/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$3,072/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,854
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,272
−HK$1,438/mo
Today · 4.125%
HK$55,710
baseline
▲ 0.50% · 4.625%
HK$58,646
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,420/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,084
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,984
−HK$1,931/mo
Today · 4.125%
HK$64,915
baseline
▲ 0.50% · 4.625%
HK$68,865
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,830/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,955
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,778
−HK$1,849/mo
Today · 4.125%
HK$71,627
baseline
▲ 0.50% · 4.625%
HK$75,402
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,254/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,090 · Scale 2, in force from 26 Feb 2026)