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$36,088
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$1,141/mo
Today · 4.125%
HK$38,352
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,704/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,092/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,369/mo
Today · 4.125%
HK$46,022
baseline
▲ 0.50% · 4.625%
HK$48,822
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,044/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,178
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,470
−HK$1,311/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,457
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,095
−HK$1,597/mo
Today · 4.125%
HK$53,692
baseline
▲ 0.50% · 4.625%
HK$56,959
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,384/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,207
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,715
−HK$1,529/mo
Today · 4.125%
HK$59,244
baseline
▲ 0.50% · 4.625%
HK$62,367
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,488/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,959
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,980
−HK$2,053/mo
Today · 4.125%
HK$69,033
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,066/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,205
−HK$1,966/mo
Today · 4.125%
HK$76,171
baseline
▲ 0.50% · 4.625%
HK$80,186
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,342/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,494 · Scale 2, in force from 26 Feb 2026)