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$33,923
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,978
−HK$1,072/mo
Today · 4.125%
HK$36,050
baseline
▲ 0.50% · 4.625%
HK$38,244
+HK$2,194/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,100/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,739
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,751
−HK$1,027/mo
Today · 4.125%
HK$39,778
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,556/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,708
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,287/mo
Today · 4.125%
HK$43,261
baseline
▲ 0.50% · 4.625%
HK$45,893
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,522/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,287
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,232/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,250
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,501/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,252
−HK$1,437/mo
Today · 4.125%
HK$55,689
baseline
▲ 0.50% · 4.625%
HK$58,625
+HK$2,936/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,378/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,961
−HK$1,930/mo
Today · 4.125%
HK$64,891
baseline
▲ 0.50% · 4.625%
HK$68,839
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,782/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,931
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,752
−HK$1,849/mo
Today · 4.125%
HK$71,601
baseline
▲ 0.50% · 4.625%
HK$75,375
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,202/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,885 · Scale 2, in force from 26 Feb 2026)