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$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$1,141/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,092/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,368/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,177
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,469
−HK$1,311/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,523
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,095
−HK$1,596/mo
Today · 4.125%
HK$53,691
baseline
▲ 0.50% · 4.625%
HK$56,958
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,382/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,206
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$57,714
−HK$1,529/mo
Today · 4.125%
HK$59,243
baseline
▲ 0.50% · 4.625%
HK$62,366
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,486/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,958
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,979
−HK$2,053/mo
Today · 4.125%
HK$69,032
baseline
▲ 0.50% · 4.625%
HK$73,232
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,064/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,265
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,203
−HK$1,967/mo
Today · 4.125%
HK$76,170
baseline
▲ 0.50% · 4.625%
HK$80,185
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,340/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,485 · Scale 2, in force from 26 Feb 2026)