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$36,076
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,199
−HK$1,140/mo
Today · 4.125%
HK$38,339
baseline
▲ 0.50% · 4.625%
HK$40,672
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,678/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,135
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,092/mo
Today · 4.125%
HK$42,303
baseline
▲ 0.50% · 4.625%
HK$44,533
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,606/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,369/mo
Today · 4.125%
HK$46,007
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,799/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,014/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,162
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,453
−HK$1,311/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,439
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,507
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,078
−HK$1,596/mo
Today · 4.125%
HK$53,674
baseline
▲ 0.50% · 4.625%
HK$56,940
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,348/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,189
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,696
−HK$1,528/mo
Today · 4.125%
HK$59,224
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,448/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,938
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,958
−HK$2,052/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$73,209
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,242
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,180
−HK$1,965/mo
Today · 4.125%
HK$76,145
baseline
▲ 0.50% · 4.625%
HK$80,159
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,290/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,296 · Scale 2, in force from 26 Feb 2026)