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$36,090
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$1,141/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,092/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,656
−HK$1,368/mo
Today · 4.125%
HK$46,024
baseline
▲ 0.50% · 4.625%
HK$48,825
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,048/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,180
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,472
−HK$1,311/mo
Today · 4.125%
HK$50,783
baseline
▲ 0.50% · 4.625%
HK$53,460
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,566/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,527
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,098
−HK$1,597/mo
Today · 4.125%
HK$53,695
baseline
▲ 0.50% · 4.625%
HK$56,962
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,390/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,210
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,529/mo
Today · 4.125%
HK$59,247
baseline
▲ 0.50% · 4.625%
HK$62,370
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,494/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,963
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,983
−HK$2,053/mo
Today · 4.125%
HK$69,036
baseline
▲ 0.50% · 4.625%
HK$73,237
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,072/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,270
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$1,966/mo
Today · 4.125%
HK$76,175
baseline
▲ 0.50% · 4.625%
HK$80,190
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,350/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,526 · Scale 2, in force from 26 Feb 2026)