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$33,941
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$1,073/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,027/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,288/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,916
+HK$2,633/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,310
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,525
−HK$1,233/mo
Today · 4.125%
HK$47,758
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,516/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,995
−HK$1,501/mo
Today · 4.125%
HK$50,496
baseline
▲ 0.50% · 4.625%
HK$53,569
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$100,992/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,280
−HK$1,438/mo
Today · 4.125%
HK$55,718
baseline
▲ 0.50% · 4.625%
HK$58,655
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,436/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,093
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,931/mo
Today · 4.125%
HK$64,924
baseline
▲ 0.50% · 4.625%
HK$68,874
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,848/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,965
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,788
−HK$1,849/mo
Today · 4.125%
HK$71,637
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,274/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,170 · Scale 2, in force from 26 Feb 2026)