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$36,084
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,206
−HK$1,140/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,143
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,092/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,647
−HK$1,369/mo
Today · 4.125%
HK$46,016
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,032/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,171
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,463
−HK$1,311/mo
Today · 4.125%
HK$50,774
baseline
▲ 0.50% · 4.625%
HK$53,450
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,548/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,088
−HK$1,597/mo
Today · 4.125%
HK$53,685
baseline
▲ 0.50% · 4.625%
HK$56,952
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,370/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,200
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,529/mo
Today · 4.125%
HK$59,236
baseline
▲ 0.50% · 4.625%
HK$62,358
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,472/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,951
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,971
−HK$2,053/mo
Today · 4.125%
HK$69,024
baseline
▲ 0.50% · 4.625%
HK$73,223
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,048/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,257
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,195
−HK$1,966/mo
Today · 4.125%
HK$76,161
baseline
▲ 0.50% · 4.625%
HK$80,175
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,322/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,415 · Scale 2, in force from 26 Feb 2026)