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$36,097
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$1,141/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,334/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,092/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,558
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,317
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,369/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,189
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,311/mo
Today · 4.125%
HK$50,793
baseline
▲ 0.50% · 4.625%
HK$53,470
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,586/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,536
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,108
−HK$1,597/mo
Today · 4.125%
HK$53,705
baseline
▲ 0.50% · 4.625%
HK$56,973
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,410/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,221
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,729
−HK$1,529/mo
Today · 4.125%
HK$59,258
baseline
▲ 0.50% · 4.625%
HK$62,382
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,516/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,996
−HK$2,053/mo
Today · 4.125%
HK$69,049
baseline
▲ 0.50% · 4.625%
HK$73,251
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,098/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,284
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,222
−HK$1,967/mo
Today · 4.125%
HK$76,189
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,016/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,378/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,636 · Scale 2, in force from 26 Feb 2026)