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$36,063
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$1,140/mo
Today · 4.125%
HK$38,324
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,648/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,092/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,275
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,621
−HK$1,368/mo
Today · 4.125%
HK$45,989
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,978/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,143
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,434
−HK$1,310/mo
Today · 4.125%
HK$50,744
baseline
▲ 0.50% · 4.625%
HK$53,419
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,488/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,488
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,058
−HK$1,596/mo
Today · 4.125%
HK$53,654
baseline
▲ 0.50% · 4.625%
HK$56,918
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,308/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,167
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,673
−HK$1,529/mo
Today · 4.125%
HK$59,202
baseline
▲ 0.50% · 4.625%
HK$62,322
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,404/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,913
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,932
−HK$2,051/mo
Today · 4.125%
HK$68,983
baseline
▲ 0.50% · 4.625%
HK$73,181
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,966/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,215
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,152
−HK$1,964/mo
Today · 4.125%
HK$76,116
baseline
▲ 0.50% · 4.625%
HK$80,129
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,232/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,069 · Scale 2, in force from 26 Feb 2026)