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$33,914
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,969
−HK$1,072/mo
Today · 4.125%
HK$36,041
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,082/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,729
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,741
−HK$1,026/mo
Today · 4.125%
HK$39,767
baseline
▲ 0.50% · 4.625%
HK$41,864
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,534/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,697
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,963
−HK$1,286/mo
Today · 4.125%
HK$43,249
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,498/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,275
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,489
−HK$1,232/mo
Today · 4.125%
HK$47,721
baseline
▲ 0.50% · 4.625%
HK$50,236
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,442/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,500/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,527
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,821
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,237
−HK$1,437/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$58,609
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,045
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,944
−HK$1,929/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,821
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,912
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,734
−HK$1,847/mo
Today · 4.125%
HK$71,581
baseline
▲ 0.50% · 4.625%
HK$75,354
+HK$3,773/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,162/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,734 · Scale 2, in force from 26 Feb 2026)