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$2,129/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,073/mo
Today · 4.125%
HK$36,073
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,146/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,028/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,733
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,287/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,921
+HK$2,634/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$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,233/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,518/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,502/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,575
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,867
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,439/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$58,661
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,099
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,000
−HK$1,931/mo
Today · 4.125%
HK$64,931
baseline
▲ 0.50% · 4.625%
HK$68,882
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,862/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,972
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,795
−HK$1,850/mo
Today · 4.125%
HK$71,645
baseline
▲ 0.50% · 4.625%
HK$75,421
+HK$3,776/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,290/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,228 · Scale 2, in force from 26 Feb 2026)