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$2,128/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$1,073/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,221 · 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$41,900
+HK$2,098/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$558,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,288/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,920
+HK$2,633/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$558,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,314
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,232/mo
Today · 4.125%
HK$47,762
baseline
▲ 0.50% · 4.625%
HK$50,280
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,524/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,521
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,999
−HK$1,502/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,221 · 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$58,660
+HK$2,937/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$558,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,098
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$62,999
−HK$1,931/mo
Today · 4.125%
HK$64,930
baseline
▲ 0.50% · 4.625%
HK$68,881
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,860/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,971
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,794
−HK$1,850/mo
Today · 4.125%
HK$71,644
baseline
▲ 0.50% · 4.625%
HK$75,420
+HK$3,776/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$558,221 · Scale 2, in force from 26 Feb 2026)