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$36,014
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,134
−HK$1,138/mo
Today · 4.125%
HK$38,272
baseline
▲ 0.50% · 4.625%
HK$40,601
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,544/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,065
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,139
−HK$1,090/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,216
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,366/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,078
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,308/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$2,671/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,419
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,987
−HK$1,594/mo
Today · 4.125%
HK$53,581
baseline
▲ 0.50% · 4.625%
HK$56,841
+HK$3,260/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,162/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,091
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,595
−HK$1,526/mo
Today · 4.125%
HK$59,121
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,242/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,824
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,841
−HK$2,048/mo
Today · 4.125%
HK$68,889
baseline
▲ 0.50% · 4.625%
HK$73,081
+HK$4,192/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,778/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,116
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,051
−HK$1,962/mo
Today · 4.125%
HK$76,013
baseline
▲ 0.50% · 4.625%
HK$80,019
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,026/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,262 · Scale 2, in force from 26 Feb 2026)