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$36,064
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$1,140/mo
Today · 4.125%
HK$38,326
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,332/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,652/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,197
−HK$1,092/mo
Today · 4.125%
HK$42,289
baseline
▲ 0.50% · 4.625%
HK$44,518
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,578/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,277
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,623
−HK$1,368/mo
Today · 4.125%
HK$45,991
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,982/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,145
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,437
−HK$1,309/mo
Today · 4.125%
HK$50,746
baseline
▲ 0.50% · 4.625%
HK$53,421
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,492/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,490
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$52,060
−HK$1,596/mo
Today · 4.125%
HK$53,656
baseline
▲ 0.50% · 4.625%
HK$56,921
+HK$3,265/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,312/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,170
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$57,676
−HK$1,528/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,325
+HK$3,121/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,916
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,935
−HK$2,051/mo
Today · 4.125%
HK$68,986
baseline
▲ 0.50% · 4.625%
HK$73,184
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,972/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,218
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,155
−HK$1,965/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,132
+HK$4,012/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,240/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,095 · Scale 2, in force from 26 Feb 2026)