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$36,043
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,164
−HK$1,139/mo
Today · 4.125%
HK$38,303
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,606/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,097
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,091/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,251
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,367/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,116
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,407
−HK$1,309/mo
Today · 4.125%
HK$50,716
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,432/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,460
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,029
−HK$1,595/mo
Today · 4.125%
HK$53,624
baseline
▲ 0.50% · 4.625%
HK$56,887
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,248/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,136
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,528/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,877
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$2,050/mo
Today · 4.125%
HK$68,945
baseline
▲ 0.50% · 4.625%
HK$73,140
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,890/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,175
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,110
−HK$1,964/mo
Today · 4.125%
HK$76,074
baseline
▲ 0.50% · 4.625%
HK$80,084
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,148/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,740 · Scale 2, in force from 26 Feb 2026)