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$33,929
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$1,072/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,758
−HK$1,027/mo
Today · 4.125%
HK$39,785
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,570/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,287/mo
Today · 4.125%
HK$43,268
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,536/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,233/mo
Today · 4.125%
HK$47,742
baseline
▲ 0.50% · 4.625%
HK$50,258
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,484/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,500
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,501/mo
Today · 4.125%
HK$50,479
baseline
▲ 0.50% · 4.625%
HK$53,550
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$100,958/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,843
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,261
−HK$1,437/mo
Today · 4.125%
HK$55,698
baseline
▲ 0.50% · 4.625%
HK$58,634
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.42M · min. income ≈ HK$111,396/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,072
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,971
−HK$1,930/mo
Today · 4.125%
HK$64,901
baseline
▲ 0.50% · 4.625%
HK$68,850
+HK$3,949/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,802/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,942
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,764
−HK$1,848/mo
Today · 4.125%
HK$71,612
baseline
▲ 0.50% · 4.625%
HK$75,387
+HK$3,775/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,224/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,976 · Scale 2, in force from 26 Feb 2026)