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$36,051
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$1,139/mo
Today · 4.125%
HK$38,311
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,332/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,622/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,106
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,091/mo
Today · 4.125%
HK$42,273
baseline
▲ 0.50% · 4.625%
HK$44,501
+HK$2,228/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,546/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,261
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,607
−HK$1,367/mo
Today · 4.125%
HK$45,974
baseline
▲ 0.50% · 4.625%
HK$48,771
+HK$2,797/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,948/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,127
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,418
−HK$1,309/mo
Today · 4.125%
HK$50,727
baseline
▲ 0.50% · 4.625%
HK$53,401
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,454/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,471
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,041
−HK$1,595/mo
Today · 4.125%
HK$53,636
baseline
▲ 0.50% · 4.625%
HK$56,900
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,272/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,149
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,654
−HK$1,528/mo
Today · 4.125%
HK$59,182
baseline
▲ 0.50% · 4.625%
HK$62,302
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,364/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,891
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,910
−HK$2,051/mo
Today · 4.125%
HK$68,961
baseline
▲ 0.50% · 4.625%
HK$73,157
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,922/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,191
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,127
−HK$1,964/mo
Today · 4.125%
HK$76,091
baseline
▲ 0.50% · 4.625%
HK$80,102
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,182/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,873 · Scale 2, in force from 26 Feb 2026)