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$36,040
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$1,139/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,095
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,170
−HK$1,091/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,249
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,594
−HK$1,367/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,757
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,114
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,404
−HK$1,309/mo
Today · 4.125%
HK$50,713
baseline
▲ 0.50% · 4.625%
HK$53,386
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,426/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,457
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,595/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$3,262/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$57,638
−HK$1,527/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,873
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,891
−HK$2,050/mo
Today · 4.125%
HK$68,941
baseline
▲ 0.50% · 4.625%
HK$73,136
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,882/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,170
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,106
−HK$1,964/mo
Today · 4.125%
HK$76,070
baseline
▲ 0.50% · 4.625%
HK$80,079
+HK$4,009/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,140/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,705 · Scale 2, in force from 26 Feb 2026)