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$36,087
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$1,141/mo
Today · 4.125%
HK$38,350
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,700/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,092/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,369/mo
Today · 4.125%
HK$46,020
baseline
▲ 0.50% · 4.625%
HK$48,820
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,040/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,175
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,467
−HK$1,311/mo
Today · 4.125%
HK$50,778
baseline
▲ 0.50% · 4.625%
HK$53,455
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,556/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,521
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,093
−HK$1,597/mo
Today · 4.125%
HK$53,690
baseline
▲ 0.50% · 4.625%
HK$56,956
+HK$3,266/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,380/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,205
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,529/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,364
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,956
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,977
−HK$2,052/mo
Today · 4.125%
HK$69,029
baseline
▲ 0.50% · 4.625%
HK$73,230
+HK$4,201/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,058/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,263
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,201
−HK$1,966/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,182
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,466 · Scale 2, in force from 26 Feb 2026)