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$36,057
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,179
−HK$1,140/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,650
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,092/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,509
+HK$2,228/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,269
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,367/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,136
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,310/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,411
+HK$2,674/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,480
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,051
−HK$1,595/mo
Today · 4.125%
HK$53,646
baseline
▲ 0.50% · 4.625%
HK$56,910
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,292/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,159
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,665
−HK$1,528/mo
Today · 4.125%
HK$59,193
baseline
▲ 0.50% · 4.625%
HK$62,313
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,386/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,903
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,922
−HK$2,051/mo
Today · 4.125%
HK$68,973
baseline
▲ 0.50% · 4.625%
HK$73,170
+HK$4,197/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,946/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,204
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,141
−HK$1,964/mo
Today · 4.125%
HK$76,105
baseline
▲ 0.50% · 4.625%
HK$80,117
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,210/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,984 · Scale 2, in force from 26 Feb 2026)