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$36,111
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,234
−HK$1,141/mo
Today · 4.125%
HK$38,375
baseline
▲ 0.50% · 4.625%
HK$40,710
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,750/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,173
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,250
−HK$1,093/mo
Today · 4.125%
HK$42,343
baseline
▲ 0.50% · 4.625%
HK$44,575
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,686/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,369/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,500
−HK$1,312/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,490
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,555
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,127
−HK$1,598/mo
Today · 4.125%
HK$53,725
baseline
▲ 0.50% · 4.625%
HK$56,994
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,450/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,242
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,750
−HK$1,530/mo
Today · 4.125%
HK$59,280
baseline
▲ 0.50% · 4.625%
HK$62,405
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,560/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,999
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,021
−HK$2,054/mo
Today · 4.125%
HK$69,075
baseline
▲ 0.50% · 4.625%
HK$73,278
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,150/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,311
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,250
−HK$1,967/mo
Today · 4.125%
HK$76,217
baseline
▲ 0.50% · 4.625%
HK$80,235
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,434/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,857 · Scale 2, in force from 26 Feb 2026)