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$36,038
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$1,139/mo
Today · 4.125%
HK$38,298
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,596/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,091/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,245
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,591
−HK$1,366/mo
Today · 4.125%
HK$45,957
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,914/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,400
−HK$1,309/mo
Today · 4.125%
HK$50,709
baseline
▲ 0.50% · 4.625%
HK$53,382
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,418/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,453
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,022
−HK$1,595/mo
Today · 4.125%
HK$53,617
baseline
▲ 0.50% · 4.625%
HK$56,879
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,234/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,128
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,634
−HK$1,527/mo
Today · 4.125%
HK$59,161
baseline
▲ 0.50% · 4.625%
HK$62,279
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,322/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,868
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,886
−HK$2,050/mo
Today · 4.125%
HK$68,936
baseline
▲ 0.50% · 4.625%
HK$73,131
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,872/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,165
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,101
−HK$1,963/mo
Today · 4.125%
HK$76,064
baseline
▲ 0.50% · 4.625%
HK$80,073
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,128/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,662 · Scale 2, in force from 26 Feb 2026)