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$33,947
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$1,073/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$38,271
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,027/mo
Today · 4.125%
HK$39,806
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,099/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,612/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,287/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,233/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,286
+HK$2,518/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,526
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,005
−HK$1,502/mo
Today · 4.125%
HK$50,507
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,014/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,872
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,291
−HK$1,438/mo
Today · 4.125%
HK$55,729
baseline
▲ 0.50% · 4.625%
HK$58,667
+HK$2,938/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,458/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,006
−HK$1,931/mo
Today · 4.125%
HK$64,937
baseline
▲ 0.50% · 4.625%
HK$68,888
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,874/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,979
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,802
−HK$1,850/mo
Today · 4.125%
HK$71,652
baseline
▲ 0.50% · 4.625%
HK$75,428
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,304/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,282 · Scale 2, in force from 26 Feb 2026)