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$36,111
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,141/mo
Today · 4.125%
HK$38,376
baseline
▲ 0.50% · 4.625%
HK$40,711
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,752/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,093/mo
Today · 4.125%
HK$42,344
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,688/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,334
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,682
−HK$1,369/mo
Today · 4.125%
HK$46,051
baseline
▲ 0.50% · 4.625%
HK$48,853
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,102/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,208
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,501
−HK$1,312/mo
Today · 4.125%
HK$50,813
baseline
▲ 0.50% · 4.625%
HK$53,491
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,626/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,556
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,129
−HK$1,597/mo
Today · 4.125%
HK$53,726
baseline
▲ 0.50% · 4.625%
HK$56,996
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,452/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,752
−HK$1,530/mo
Today · 4.125%
HK$59,282
baseline
▲ 0.50% · 4.625%
HK$62,407
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,564/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,001
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,023
−HK$2,054/mo
Today · 4.125%
HK$69,077
baseline
▲ 0.50% · 4.625%
HK$73,280
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,154/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,313
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,252
−HK$1,967/mo
Today · 4.125%
HK$76,219
baseline
▲ 0.50% · 4.625%
HK$80,237
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,438/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,873 · Scale 2, in force from 26 Feb 2026)