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$36,068
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,190
−HK$1,139/mo
Today · 4.125%
HK$38,329
baseline
▲ 0.50% · 4.625%
HK$40,662
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,658/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,125
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,201
−HK$1,092/mo
Today · 4.125%
HK$42,293
baseline
▲ 0.50% · 4.625%
HK$44,522
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,586/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,628
−HK$1,367/mo
Today · 4.125%
HK$45,995
baseline
▲ 0.50% · 4.625%
HK$48,794
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,990/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,150
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,441
−HK$1,310/mo
Today · 4.125%
HK$50,751
baseline
▲ 0.50% · 4.625%
HK$53,427
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,502/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,495
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,066
−HK$1,595/mo
Today · 4.125%
HK$53,661
baseline
▲ 0.50% · 4.625%
HK$56,926
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,322/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,175
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,528/mo
Today · 4.125%
HK$59,210
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,121/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,420/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,922
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,941
−HK$2,052/mo
Today · 4.125%
HK$68,993
baseline
▲ 0.50% · 4.625%
HK$73,191
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$137,986/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,225
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,162
−HK$1,965/mo
Today · 4.125%
HK$76,127
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,254/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,153 · Scale 2, in force from 26 Feb 2026)