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$36,104
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$1,141/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,702
+HK$2,334/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,165
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,242
−HK$1,093/mo
Today · 4.125%
HK$42,335
baseline
▲ 0.50% · 4.625%
HK$44,566
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,670/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,369/mo
Today · 4.125%
HK$46,041
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,082/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,491
−HK$1,311/mo
Today · 4.125%
HK$50,802
baseline
▲ 0.50% · 4.625%
HK$53,480
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,604/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,545
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,117
−HK$1,598/mo
Today · 4.125%
HK$53,715
baseline
▲ 0.50% · 4.625%
HK$56,983
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,430/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,231
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,739
−HK$1,530/mo
Today · 4.125%
HK$59,269
baseline
▲ 0.50% · 4.625%
HK$62,393
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,538/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,987
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,008
−HK$2,054/mo
Today · 4.125%
HK$69,062
baseline
▲ 0.50% · 4.625%
HK$73,264
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,124/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,297
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,236
−HK$1,967/mo
Today · 4.125%
HK$76,203
baseline
▲ 0.50% · 4.625%
HK$80,220
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,406/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,744 · Scale 2, in force from 26 Feb 2026)