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$36,113
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,237
−HK$1,141/mo
Today · 4.125%
HK$38,378
baseline
▲ 0.50% · 4.625%
HK$40,713
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,756/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,176
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,093/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,336
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,370/mo
Today · 4.125%
HK$46,054
baseline
▲ 0.50% · 4.625%
HK$48,856
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,108/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,312/mo
Today · 4.125%
HK$50,816
baseline
▲ 0.50% · 4.625%
HK$53,494
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,632/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,559
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,131
−HK$1,598/mo
Today · 4.125%
HK$53,729
baseline
▲ 0.50% · 4.625%
HK$56,999
+HK$3,270/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,458/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,246
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,530/mo
Today · 4.125%
HK$59,285
baseline
▲ 0.50% · 4.625%
HK$62,410
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,570/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,004
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,026
−HK$2,054/mo
Today · 4.125%
HK$69,080
baseline
▲ 0.50% · 4.625%
HK$73,284
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,160/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,316
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,256
−HK$1,967/mo
Today · 4.125%
HK$76,223
baseline
▲ 0.50% · 4.625%
HK$80,241
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,446/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,904 · Scale 2, in force from 26 Feb 2026)