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$36,095
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,217
−HK$1,141/mo
Today · 4.125%
HK$38,358
baseline
▲ 0.50% · 4.625%
HK$40,692
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,716/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,232
−HK$1,092/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,555
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,661
−HK$1,369/mo
Today · 4.125%
HK$46,030
baseline
▲ 0.50% · 4.625%
HK$48,830
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,060/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,186
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,478
−HK$1,311/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,466
+HK$2,677/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$52,104
−HK$1,597/mo
Today · 4.125%
HK$53,701
baseline
▲ 0.50% · 4.625%
HK$56,969
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,402/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,217
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,725
−HK$1,529/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,377
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,508/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,970
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,991
−HK$2,053/mo
Today · 4.125%
HK$69,044
baseline
▲ 0.50% · 4.625%
HK$73,246
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,088/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,279
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,217
−HK$1,967/mo
Today · 4.125%
HK$76,184
baseline
▲ 0.50% · 4.625%
HK$80,200
+HK$4,016/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,368/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,595 · Scale 2, in force from 26 Feb 2026)