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$36,108
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$1,141/mo
Today · 4.125%
HK$38,373
baseline
▲ 0.50% · 4.625%
HK$40,708
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,746/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,170
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,248
−HK$1,092/mo
Today · 4.125%
HK$42,340
baseline
▲ 0.50% · 4.625%
HK$44,572
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,680/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,330
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,369/mo
Today · 4.125%
HK$46,047
baseline
▲ 0.50% · 4.625%
HK$48,849
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,094/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,312/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,552
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,124
−HK$1,598/mo
Today · 4.125%
HK$53,722
baseline
▲ 0.50% · 4.625%
HK$56,991
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,444/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,747
−HK$1,530/mo
Today · 4.125%
HK$59,277
baseline
▲ 0.50% · 4.625%
HK$62,401
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,554/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,995
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,017
−HK$2,054/mo
Today · 4.125%
HK$69,071
baseline
▲ 0.50% · 4.625%
HK$73,274
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,142/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,306
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,246
−HK$1,967/mo
Today · 4.125%
HK$76,213
baseline
▲ 0.50% · 4.625%
HK$80,230
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,426/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,821 · Scale 2, in force from 26 Feb 2026)