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$33,944
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,027/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,099/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,733
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,287/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,921
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,233/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,502/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$3,072/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,867
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,438/mo
Today · 4.125%
HK$55,723
baseline
▲ 0.50% · 4.625%
HK$58,661
+HK$2,938/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,446/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,000
−HK$1,931/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,881
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,795
−HK$1,849/mo
Today · 4.125%
HK$71,644
baseline
▲ 0.50% · 4.625%
HK$75,421
+HK$3,777/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,288/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,226 · Scale 2, in force from 26 Feb 2026)