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$36,101
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,223
−HK$1,141/mo
Today · 4.125%
HK$38,364
baseline
▲ 0.50% · 4.625%
HK$40,699
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,728/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,161
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,239
−HK$1,092/mo
Today · 4.125%
HK$42,331
baseline
▲ 0.50% · 4.625%
HK$44,563
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,662/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,321
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,369/mo
Today · 4.125%
HK$46,037
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,074/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,194
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,486
−HK$1,312/mo
Today · 4.125%
HK$50,798
baseline
▲ 0.50% · 4.625%
HK$53,475
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,596/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,541
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,113
−HK$1,597/mo
Today · 4.125%
HK$53,710
baseline
▲ 0.50% · 4.625%
HK$56,978
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,420/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,226
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,530/mo
Today · 4.125%
HK$59,264
baseline
▲ 0.50% · 4.625%
HK$62,388
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,528/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,981
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,002
−HK$2,054/mo
Today · 4.125%
HK$69,056
baseline
▲ 0.50% · 4.625%
HK$73,258
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,112/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,291
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,229
−HK$1,967/mo
Today · 4.125%
HK$76,196
baseline
▲ 0.50% · 4.625%
HK$80,213
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,392/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,692 · Scale 2, in force from 26 Feb 2026)