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$36,107
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$1,141/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,093/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,370/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,495
−HK$1,312/mo
Today · 4.125%
HK$50,807
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,614/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,550
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,122
−HK$1,598/mo
Today · 4.125%
HK$53,720
baseline
▲ 0.50% · 4.625%
HK$56,989
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,440/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,236
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,745
−HK$1,530/mo
Today · 4.125%
HK$59,275
baseline
▲ 0.50% · 4.625%
HK$62,399
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,550/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,015
−HK$2,053/mo
Today · 4.125%
HK$69,068
baseline
▲ 0.50% · 4.625%
HK$73,271
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,136/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,243
−HK$1,967/mo
Today · 4.125%
HK$76,210
baseline
▲ 0.50% · 4.625%
HK$80,227
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,420/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,801 · Scale 2, in force from 26 Feb 2026)