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$36,074
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,197
−HK$1,140/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,669
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,092/mo
Today · 4.125%
HK$42,301
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,602/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,289
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,636
−HK$1,368/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,159
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,310/mo
Today · 4.125%
HK$50,761
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,522/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,504
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,075
−HK$1,596/mo
Today · 4.125%
HK$53,671
baseline
▲ 0.50% · 4.625%
HK$56,937
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,342/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,186
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,692
−HK$1,529/mo
Today · 4.125%
HK$59,221
baseline
▲ 0.50% · 4.625%
HK$62,343
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,442/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,934
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,954
−HK$2,052/mo
Today · 4.125%
HK$69,006
baseline
▲ 0.50% · 4.625%
HK$73,205
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,012/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,239
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,176
−HK$1,965/mo
Today · 4.125%
HK$76,141
baseline
▲ 0.50% · 4.625%
HK$80,155
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,282/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,264 · Scale 2, in force from 26 Feb 2026)