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$36,070
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$1,139/mo
Today · 4.125%
HK$38,331
baseline
▲ 0.50% · 4.625%
HK$40,664
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,662/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,127
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,203
−HK$1,092/mo
Today · 4.125%
HK$42,295
baseline
▲ 0.50% · 4.625%
HK$44,524
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,590/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,283
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,630
−HK$1,368/mo
Today · 4.125%
HK$45,998
baseline
▲ 0.50% · 4.625%
HK$48,797
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,996/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,152
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,444
−HK$1,310/mo
Today · 4.125%
HK$50,754
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,508/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,497
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,068
−HK$1,596/mo
Today · 4.125%
HK$53,664
baseline
▲ 0.50% · 4.625%
HK$56,929
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,328/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,178
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,684
−HK$1,529/mo
Today · 4.125%
HK$59,213
baseline
▲ 0.50% · 4.625%
HK$62,334
+HK$3,121/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,426/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,925
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$2,052/mo
Today · 4.125%
HK$68,997
baseline
▲ 0.50% · 4.625%
HK$73,195
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$137,994/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,229
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,166
−HK$1,965/mo
Today · 4.125%
HK$76,131
baseline
▲ 0.50% · 4.625%
HK$80,144
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,262/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,183 · Scale 2, in force from 26 Feb 2026)