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$33,926
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$1,072/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,027/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,287/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,290
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,505
−HK$1,232/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,253
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,496
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,973
−HK$1,501/mo
Today · 4.125%
HK$50,474
baseline
▲ 0.50% · 4.625%
HK$53,545
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,948/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,839
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,437/mo
Today · 4.125%
HK$55,693
baseline
▲ 0.50% · 4.625%
HK$58,629
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,386/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,066
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,966
−HK$1,929/mo
Today · 4.125%
HK$64,895
baseline
▲ 0.50% · 4.625%
HK$68,844
+HK$3,949/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,790/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,935
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$1,849/mo
Today · 4.125%
HK$71,606
baseline
▲ 0.50% · 4.625%
HK$75,380
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,212/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,924 · Scale 2, in force from 26 Feb 2026)