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$36,042
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$1,139/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,331/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,091/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,250
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,367/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,759
+HK$2,796/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,116
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,406
−HK$1,309/mo
Today · 4.125%
HK$50,715
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,430/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,459
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$52,028
−HK$1,595/mo
Today · 4.125%
HK$53,623
baseline
▲ 0.50% · 4.625%
HK$56,886
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,246/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,135
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,641
−HK$1,527/mo
Today · 4.125%
HK$59,168
baseline
▲ 0.50% · 4.625%
HK$62,287
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,336/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,876
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,894
−HK$2,050/mo
Today · 4.125%
HK$68,944
baseline
▲ 0.50% · 4.625%
HK$73,139
+HK$4,195/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,888/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,174
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,109
−HK$1,964/mo
Today · 4.125%
HK$76,073
baseline
▲ 0.50% · 4.625%
HK$80,083
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,146/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,731 · Scale 2, in force from 26 Feb 2026)