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$36,025
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$1,139/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,078
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,090/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,231
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,575
−HK$1,366/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,094
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,309/mo
Today · 4.125%
HK$50,692
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,384/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,436
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$52,004
−HK$1,594/mo
Today · 4.125%
HK$53,598
baseline
▲ 0.50% · 4.625%
HK$56,860
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,196/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,109
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,614
−HK$1,527/mo
Today · 4.125%
HK$59,141
baseline
▲ 0.50% · 4.625%
HK$62,258
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,282/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,846
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,863
−HK$2,049/mo
Today · 4.125%
HK$68,912
baseline
▲ 0.50% · 4.625%
HK$73,105
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,824/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,140
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,075
−HK$1,963/mo
Today · 4.125%
HK$76,038
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,008/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,076/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,458 · Scale 2, in force from 26 Feb 2026)