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$36,104
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$1,141/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,166
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,093/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,231/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,325
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,369/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,801/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,199
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,491
−HK$1,312/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,481
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,546
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,118
−HK$1,598/mo
Today · 4.125%
HK$53,716
baseline
▲ 0.50% · 4.625%
HK$56,984
+HK$3,268/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,432/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,232
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,530/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,394
+HK$3,124/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,988
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,009
−HK$2,054/mo
Today · 4.125%
HK$69,063
baseline
▲ 0.50% · 4.625%
HK$73,265
+HK$4,202/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,126/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,298
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,237
−HK$1,967/mo
Today · 4.125%
HK$76,204
baseline
▲ 0.50% · 4.625%
HK$80,221
+HK$4,017/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,408/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,753 · Scale 2, in force from 26 Feb 2026)