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$36,032
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,153
−HK$1,139/mo
Today · 4.125%
HK$38,292
baseline
▲ 0.50% · 4.625%
HK$40,622
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,584/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,086
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,091/mo
Today · 4.125%
HK$42,252
baseline
▲ 0.50% · 4.625%
HK$44,479
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,504/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,584
−HK$1,366/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,103
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,393
−HK$1,309/mo
Today · 4.125%
HK$50,702
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,404/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,015
−HK$1,594/mo
Today · 4.125%
HK$53,609
baseline
▲ 0.50% · 4.625%
HK$56,871
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,218/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,120
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,625
−HK$1,527/mo
Today · 4.125%
HK$59,152
baseline
▲ 0.50% · 4.625%
HK$62,270
+HK$3,118/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,304/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,858
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,876
−HK$2,050/mo
Today · 4.125%
HK$68,926
baseline
▲ 0.50% · 4.625%
HK$73,120
+HK$4,194/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,852/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,154
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,090
−HK$1,963/mo
Today · 4.125%
HK$76,053
baseline
▲ 0.50% · 4.625%
HK$80,062
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,106/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,574 · Scale 2, in force from 26 Feb 2026)