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$33,941
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$1,072/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,772
−HK$1,027/mo
Today · 4.125%
HK$39,799
baseline
▲ 0.50% · 4.625%
HK$41,897
+HK$2,098/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,598/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,287/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,634/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,233/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,517/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,518
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,996
−HK$1,501/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,570
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$100,994/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,863
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,281
−HK$1,438/mo
Today · 4.125%
HK$55,719
baseline
▲ 0.50% · 4.625%
HK$58,656
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,438/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,094
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,931/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,966
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$1,849/mo
Today · 4.125%
HK$71,638
baseline
▲ 0.50% · 4.625%
HK$75,415
+HK$3,777/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,276/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,179 · Scale 2, in force from 26 Feb 2026)