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$36,073
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,195
−HK$1,140/mo
Today · 4.125%
HK$38,335
baseline
▲ 0.50% · 4.625%
HK$40,668
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,670/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,131
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,207
−HK$1,092/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,529
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,288
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,634
−HK$1,368/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,802
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,157
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,449
−HK$1,310/mo
Today · 4.125%
HK$50,759
baseline
▲ 0.50% · 4.625%
HK$53,435
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,518/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,503
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,074
−HK$1,596/mo
Today · 4.125%
HK$53,670
baseline
▲ 0.50% · 4.625%
HK$56,935
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,340/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,184
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,690
−HK$1,529/mo
Today · 4.125%
HK$59,219
baseline
▲ 0.50% · 4.625%
HK$62,341
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,438/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,932
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,952
−HK$2,052/mo
Today · 4.125%
HK$69,004
baseline
▲ 0.50% · 4.625%
HK$73,202
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,008/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,236
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,173
−HK$1,966/mo
Today · 4.125%
HK$76,139
baseline
▲ 0.50% · 4.625%
HK$80,152
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,278/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,244 · Scale 2, in force from 26 Feb 2026)