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$36,023
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,143
−HK$1,139/mo
Today · 4.125%
HK$38,282
baseline
▲ 0.50% · 4.625%
HK$40,611
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,564/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,075
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,090/mo
Today · 4.125%
HK$42,240
baseline
▲ 0.50% · 4.625%
HK$44,467
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,480/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,572
−HK$1,366/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,090
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,380
−HK$1,308/mo
Today · 4.125%
HK$50,688
baseline
▲ 0.50% · 4.625%
HK$53,360
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,376/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,432
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,593/mo
Today · 4.125%
HK$53,594
baseline
▲ 0.50% · 4.625%
HK$56,855
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,188/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,105
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,610
−HK$1,526/mo
Today · 4.125%
HK$59,136
baseline
▲ 0.50% · 4.625%
HK$62,253
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,272/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,841
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,858
−HK$2,049/mo
Today · 4.125%
HK$68,907
baseline
▲ 0.50% · 4.625%
HK$73,100
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,814/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,135
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,070
−HK$1,962/mo
Today · 4.125%
HK$76,032
baseline
▲ 0.50% · 4.625%
HK$80,040
+HK$4,008/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,064/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,413 · Scale 2, in force from 26 Feb 2026)