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$33,939
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$1,073/mo
Today · 4.125%
HK$36,068
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,136/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,770
−HK$1,027/mo
Today · 4.125%
HK$39,797
baseline
▲ 0.50% · 4.625%
HK$41,895
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,594/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,994
−HK$1,287/mo
Today · 4.125%
HK$43,281
baseline
▲ 0.50% · 4.625%
HK$45,915
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,562/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,309
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,233/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,274
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,515
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,993
−HK$1,502/mo
Today · 4.125%
HK$50,495
baseline
▲ 0.50% · 4.625%
HK$53,567
+HK$3,072/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$100,990/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,860
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,278
−HK$1,438/mo
Today · 4.125%
HK$55,716
baseline
▲ 0.50% · 4.625%
HK$58,653
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,432/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,091
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,991
−HK$1,931/mo
Today · 4.125%
HK$64,922
baseline
▲ 0.50% · 4.625%
HK$68,872
+HK$3,950/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,844/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,963
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,786
−HK$1,849/mo
Today · 4.125%
HK$71,635
baseline
▲ 0.50% · 4.625%
HK$75,411
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,270/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,152 · Scale 2, in force from 26 Feb 2026)