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$36,045
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,139/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,636
+HK$2,330/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,100
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,091/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,494
+HK$2,227/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,254
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,600
−HK$1,367/mo
Today · 4.125%
HK$45,967
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,934/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,120
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,309/mo
Today · 4.125%
HK$50,720
baseline
▲ 0.50% · 4.625%
HK$53,393
+HK$2,673/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,440/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,463
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,033
−HK$1,595/mo
Today · 4.125%
HK$53,628
baseline
▲ 0.50% · 4.625%
HK$56,891
+HK$3,263/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,256/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,140
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,527/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,292
+HK$3,119/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,882
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,900
−HK$2,050/mo
Today · 4.125%
HK$68,950
baseline
▲ 0.50% · 4.625%
HK$73,146
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,900/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,180
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$1,964/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,090
+HK$4,010/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,784 · Scale 2, in force from 26 Feb 2026)