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$36,085
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$1,140/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,092/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,544
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,302
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,649
−HK$1,369/mo
Today · 4.125%
HK$46,018
baseline
▲ 0.50% · 4.625%
HK$48,818
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,036/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,465
−HK$1,311/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,452
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,519
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,091
−HK$1,596/mo
Today · 4.125%
HK$53,687
baseline
▲ 0.50% · 4.625%
HK$56,954
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,374/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,202
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,709
−HK$1,530/mo
Today · 4.125%
HK$59,239
baseline
▲ 0.50% · 4.625%
HK$62,361
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,478/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,953
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,974
−HK$2,052/mo
Today · 4.125%
HK$69,026
baseline
▲ 0.50% · 4.625%
HK$73,227
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,052/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,198
−HK$1,966/mo
Today · 4.125%
HK$76,164
baseline
▲ 0.50% · 4.625%
HK$80,179
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,328/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,440 · Scale 2, in force from 26 Feb 2026)