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$33,921
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,241
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,736
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,748
−HK$1,027/mo
Today · 4.125%
HK$39,775
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,550/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,971
−HK$1,286/mo
Today · 4.125%
HK$43,257
baseline
▲ 0.50% · 4.625%
HK$45,889
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,514/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,498
−HK$1,232/mo
Today · 4.125%
HK$47,730
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,460/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,966
−HK$1,501/mo
Today · 4.125%
HK$50,467
baseline
▲ 0.50% · 4.625%
HK$53,538
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,934/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,831
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,248
−HK$1,437/mo
Today · 4.125%
HK$55,685
baseline
▲ 0.50% · 4.625%
HK$58,620
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,370/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,057
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,956
−HK$1,930/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,834
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,925
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$1,848/mo
Today · 4.125%
HK$71,595
baseline
▲ 0.50% · 4.625%
HK$75,369
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,190/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,843 · Scale 2, in force from 26 Feb 2026)